Pradeep Parashar Email & Phone Number

• Conducting independent, high-quality reviews of borrowers across a diverse portfolio of CRE and C&I loans, ensuring comprehensive assessments of credit quality, loan documentation, collateral, and compliance with internal policies.• Proficient in spreading financial statements through Moody's Credit Lens and conducted covenant monitoring using packages received on a monthly/quarterly basis.• Analyzing borrower financials (balance sheets, income statements, and cash flow) and assessing repayment capacity using key ratios.• Independently assessing and assigning risk ratings to loans, ensuring accuracy and alignment with the bank’s internal risk framework and external regulatory guidance.• Reviewing loan covenants and tracked borrower adherence to financial and non-financial terms, ensuring timely reporting and identifying breaches or potential risks.• Evaluating the adequacy of collateral values through market analysis and appraisal review, ensuring collateral positions supporting loan amounts and risk exposure.• Ensuring full compliance with banking regulations and internal bank policies, reviewing loan files for adherence to credit standards, risk limits, and regulatory feedback.• Preparing detailed work papers documenting review findings, including risk identification, financial analysis, and covenant compliance, for presentation to senior management and regulatory bodies.• Collaborating with Line of Business partners and internal teams to assess credit quality and resolve issues, while maintaining transparency in all stages of the review process.

Bengaluru, Karnataka, India

• Successfully monitored and managed credit underwriting for a regional bank in the United States, specifically for large corporates, real estate and healthcare borrowers.• Proficient in spreading financial statements through Moody's Credit Lens and conducted covenant monitoring using packages received on a monthly/quarterly basis.• Conducted periodic assessments and updates of obligor and facilities risk ratings for existing borrowers through interim reviews, annual reviews, and new money underwriting.• Effectively tracked rating changes, publication of new financials, and industry developments/news that could impact the portfolio.• Maintained regular communication with clients to manage work volumes and ensure timely output delivery.• Collaborated with business (RM's and Associates) and risk executives to ensure all key risks were properly recognized and mitigated in credit proposals.• Proactively tracked required documentation per lending agreements and ensured compliance with audit requirements.• Successfully monitored and assessed the quality of work completed by other team members, trained new hires, and assisted the manager in day-to-day activities

Bengaluru, Karnataka, India

Bengaluru Area, India

• Served as a senior underwriter for unsecured lending at a leading US bank, expertly managing markets across the US, Canada, and India.• Collaborated with frontline and risk teams to produce comprehensive credit proposals for large corporate entities, utilizing exceptional analytical skills and attention to detail.• Authored detailed credit memos covering critical areas such as risk assessment, financial analysis, recent industry news, economic and political/regulatory environments, and insights from rating agencies and other research institutions.• Consistently upheld strict adherence to internal group policies, procedures, and processes.• Fostered and maintained strong working relationships with business stakeholders, including relationship managers and risk executives, to ensure that all key risks were identified and thoughtfully mitigated in credit proposals.• Proactively identified opportunities to streamline and enhance credit processes, playing an active and constructive role in improving operational efficiency and quality.• Conducted comprehensive analysis of company operations resulting in identification of inefficiencies and cost-saving initiatives.• Collaborated with cross-functional teams to develop and implement strategic plans resulting in a 20% increase in revenue.

Banglore

• Discussion with company’s management for gathering relevant documents, and their banker information• Banker’s call to analyze payment behavior and account status.• Reading, interpreting and analyzing financials statement, news monitoring for qualitative, and quantitative and arriving at rating as per Basel guidelines• Management discussion for recent development and future plans within company • Presenting assigned rating to committee for risk approval and communicating the assigned rating to client for their acceptance.• Writing rating rationale and report for media publishing • Documentation and compliance per the SEBI and RBI Policy.• Proactively track the validity of rated company and seek financials as and when required

Master Of Business Administration - Mba, Finance And Financial Management Services

Senior Secondary Certificate

Matriculation, 10Th