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Nikita Nigam Email & Phone Number

Corporate Finance | Financial Analysis | Underwriting C&I CRE | Credit Risks at Heritage Bank of Commerce

Location: San Francisco Bay Area, United States 4 work roles 2 schools

1 work email found @obcindia.co.in LinkedIn matched

✓ Verified July 2026 4 data sources Profile completeness 100%

Current company

Heritage Bank of Commerce

Role

Corporate Finance | Financial Analysis | Underwriting C&I CRE | Credit Risks

Location

San Francisco Bay Area, United States

Company size

205 employees

Who is Nikita Nigam? Overview

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Quick answer

Nikita Nigam is listed as Corporate Finance | Financial Analysis | Underwriting C&I CRE | Credit Risks at Heritage Bank of Commerce, a with 205 employees, based in San Francisco Bay Area, United States. AeroLeads shows a work email signal at obcindia.co.in and a matched LinkedIn profile for Nikita Nigam.

Nikita Nigam previously worked as Relationship Credit Manager at Heritage Bank Of Commerce and Sr. Credit Analyst- Commercial credit at California Bank Of Commerce. Nikita Nigam holds Certification In Finance (15 Academic Units Course) from University Of California, Berkeley.

Company email context

Email format at Heritage Bank of Commerce

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{first}@obcindia.co.in

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AeroLeads found 1 current-domain work email signal for Nikita Nigam. Compare company email patterns before reaching out.

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Profile bio

About Nikita Nigam

With over 10 years of experience in commercial lending, primarily with PSUs foreign banks, and banks in the SF Bay Area, I am currently working with Heritage Bank of Commerce. Known as a premier business bank in the Bay Area, it serves the needs of commercial businesses in California.

Listed skills include Financial Analysis, Project Appraisal, Credit Analysis, Banking, and 5 others.

Current workplace

Nikita Nigam's current company

Company context helps verify the profile and gives searchers a useful next step.

Heritage Bank Of Commerce

Corporate Finance | Financial Analysis | Underwriting C&I CRE | Credit Risks

san jose, california, united states

Website

heritagebankofcommerce.com

Employees

205

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Company profile

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4 roles

Nikita Nigam work experience

A career timeline built from the work history available for this profile.

Relationship Credit Manager

Current

Heritage Bank Of Commerce

California, United States

-Underwrite commercial loans (New and renewal) for various industries including tech, non-profit, manufacturing, contractors, real estate and more.-Aide a team of Loan Officers in delivering multiple loan facilities to meet our clients’ needs from formula and non-formula lines of credit, commercial real estate and term loans ranging from $100M and above in commitments.-Mitigate risk by stress testing loan payments under extreme economic conditions i.e. large shifts in prime. -Good knowledge on GAAP Accounting / International Financial Reporting Standards. Well versed with EBITDA calculation, credit structuring.

Aug 2024 - Present

Sr. Credit Analyst- Commercial Credit

California Bank Of Commerce

California, United States

-Provide in-depth and independent analysis of Financial statements, Tax return Analysis (Individual & Business), Bank Borrowing Certificate analysis (AR Aging), PFS analysis.-Knowledge and understanding of covenant compliance.-Underwriting commercial Line of credit and other facility. -Assisting other team members and provided training if required.-Platform- Salesforce-nCino, CASH Suite, DNA (fiserv), Outlook, Ms Office.

Oct 2022 - Jul 2024

Assistant Manager (Fa)

Punjab National Bank

-Underwrote all types of credit exposure (Large and MSME), managed an assigned credit portfolio, successfully closed new business relationships and expanded existing relationships.-Platform-Finacle, IMAC Risk model, Lens, OLS-tech based lending solution and traditional write up(non-tech based)

Aug 2012 - Sep 2022

Management Intern

Sidbi(Small Industries Development Bank Of India)

India

Project: Techno-Economic Project Appraisal and Risk assessment model for MSME.Department: CLPC (Credit loan processing cell)

Jun 2011 - Aug 2011

Team & coworkers

Colleagues at Heritage Bank of Commerce

Other employees you can reach at heritagebankofcommerce.com. View company contacts for 205 employees →

SS

Steve Sokol Colleague at Heritage Bank Of CommercePleasanton, California, United States View → KS

Kanika Sabharwal Colleague at Heritage Bank Of CommercePalo Alto, California, United States View → OS

Olivia Sanchez Colleague at Heritage Bank Of CommerceUnited States View → DB

David Beronio Colleague at Heritage Bank Of CommerceLos Altos, California, United States View → CD

Celeste Drake Colleague at Heritage Bank Of CommerceHampden, Massachusetts, United States View → SL

Susie Lewis Colleague at Heritage Bank Of CommerceSan Jose, California, United States View → JW

Jack Woo Colleague at Heritage Bank Of CommerceAlameda, California, United States View → AP

Andre Poe Colleague at Heritage Bank Of CommerceLivermore, California, United States View → RB

Rebekah Barry Colleague at Heritage Bank Of CommerceSan Francisco Bay Area, United States View → AS

Alondra Sanchez Colleague at Heritage Bank Of CommerceAntioch, California, United States View →

2 education records

Nikita Nigam education

Certification In Finance (15 Academic Units Course)

University Of California, Berkeley

1. International Finance 2. Basic Corporate 3. Intermediate Finance 4. Financial Securities & Analysis 5. Corporate Financial & Modelling.

Master Of Business Administration - Mba/Pgdm, Business Management /Finance

Galgotias University

6 Trimester Program (2 years) Major- Finance

FAQ

Frequently asked questions about Nikita Nigam

Quick answers generated from the profile data available on this page.

What company does Nikita Nigam work for?

Nikita Nigam works for Heritage Bank of Commerce.

What is Nikita Nigam's role at Heritage Bank of Commerce?

Nikita Nigam is listed as Corporate Finance | Financial Analysis | Underwriting C&I CRE | Credit Risks at Heritage Bank of Commerce.

What is Nikita Nigam's email address?

AeroLeads has found 1 work email signal at @obcindia.co.in for Nikita Nigam at Heritage Bank of Commerce.

Where is Nikita Nigam based?

Nikita Nigam is based in San Francisco Bay Area, United States while working with Heritage Bank of Commerce.

What companies has Nikita Nigam worked for?

Nikita Nigam has worked for Heritage Bank Of Commerce, California Bank Of Commerce, Punjab National Bank, and Sidbi(Small Industries Development Bank Of India).

Who are Nikita Nigam's colleagues at Heritage Bank of Commerce?

Nikita Nigam's colleagues at Heritage Bank of Commerce include Steve Sokol, Kanika Sabharwal, Olivia Sanchez, David Beronio, and Celeste Drake.

How can I contact Nikita Nigam?

You can use AeroLeads to view verified contact signals for Nikita Nigam at Heritage Bank of Commerce, including work email, phone, and LinkedIn data when available.

What schools did Nikita Nigam attend?

Nikita Nigam holds Certification In Finance (15 Academic Units Course) from University Of California, Berkeley.

What skills is Nikita Nigam known for?

Nikita Nigam is listed with skills including Financial Analysis, Project Appraisal, Credit Analysis, Banking, Working Capital Assesment, Project Finance, Corporate Finance, and Ratio Analysis.

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