MBA professional has more than 12+ years of experience in finance, operations, accounting, management and Quality Audits. Highly motivated and well-organized individual who is effectively able to assess situational needs, develop and implement creative solutions. Enjoys working in a changing and multi-tasking environment with numerous and competing deadlines. Effective communicator with ability to work with the customer, team mates and management at all levels.• I do Q.A for Syndicated & Corporate Lending (S&CL- Pricing Margin changes, Principal, Interest and fees payments), As per Service Request-SR and notice we check whether the Margin or Spread rate of loan has been updated on correct date at facility and outstanding loan levels for Syndicated, Part-Bought and Agented loans.o For Principal, Interest & Fees payment, whether these are applied as per notice/wire or not, to correct client & facility with correct amount and effective date into Loan IQ.• Commercial Real Estate (CRE-New Loan booking, Loan Modification), As per CAM and Credit loan Agreement New loans/modifications are done in Loan IQ or not.• Delegation of Authority (DOA), Whether transaction/payment post in the systems are under there approval limit or not.• Fulfillment Booking of collateral. As per loan agreement, CAM and Basel documents all the real estate and non-real collaterals and their values are properly updated and linked to correct facilities in the Loan IQ.• There are various Applications, Sharepoints & Portals I used to do quality check Such as Loan IQ (LIQ), ICON, First Application, N Drive, GUS, Electronic documents repository (EDR), Control D etc.• Along with QA, I used to publish various reports or monthly accuracy reports to offshore (GBS) & onshore Line of business and front-line Units (FLUs).

Currently working in a team which is independent quality check/QA team part of EIT, which support 200+ metrics (processes). We provide administrative and operational support for Syndicated & Corporate Lending (S&CL), Commercial Real Estate (CRE), Delegation of Authority (DOA), Fulfillment Booking of collateral, Doc. Prep., Mac. Legal, Financial Booking, LFO, LSO and other business.In most of the business’s team does Quality Audits post one month. We support onshore U.S, EMEA, ASIA, Canada and GBS regions. As per Designed test scripts/check points/procedures by Line of Business. Working on LIQ/LOANIQ as well.

Assessment of creditworthiness of Bank of America’s prospective and existing corporate clients by carrying out due diligence, ratio and trend analysis, Balance Sheet & Income Statement analysis in compliance with GAAP requirements. It Involves; Analyzing and reclassification of financial information from the financial statements of new and existing corporate loans borrower of BOA for determining their credit worthiness.  Reviewing and analyzing the Audited, Compiled, Reviewed and Tax return statement of the Borrower, Co-Borrower and Guarantor’s statement for the purpose of determining the credibility.  Spreading the financial statement, PLAC listing, Covenant Testing. Study Business Debt Schedule, Financial Statement notes, Automated Financial System, Bank Online Support System (BOSS) & Loan IQ to ascertain business leverage and their ability to support loan payment.  Deal with different industries like NPO, Religious Organization in addition with profit making industries.  Study the Credit Bureau Investigation Report (CBR) and Personal Financial Statement (PFS) of Individual to ascertain individual leverage and the ability to support loan repayment.  Evaluating the company’s performance with the help of performing industries analysis. Reviewing the business cash generating ability by way of Cash Flow Analysis for the purpose of determining the viability of a company in repaying loans from its cash flow. Study the Business Loan Agreement, Aging, Amendment/ Modification on BLA, Real Estate Appraisal. Evaluating client’s performance on quarterly, semi-annually and annually basis with a motive of avoiding credit defaults.