• Strong focus on Credit Appraisal and financial analysis in the space of commercial lending (Automobile dealer) and CRE industry.• Renew & review various types of lines like floor plan lines (Inventory Financing), line of credit, loan limit, letter of credit, term loans and permanent mortgages.• Analysis of financial statements of borrowers for the credit appraisal process.• Normalizing the financial statements and arriving at the true profitability figures.• Working on… Show more • Strong focus on Credit Appraisal and financial analysis in the space of commercial lending (Automobile dealer) and CRE industry.• Renew & review various types of lines like floor plan lines (Inventory Financing), line of credit, loan limit, letter of credit, term loans and permanent mortgages.• Analysis of financial statements of borrowers for the credit appraisal process.• Normalizing the financial statements and arriving at the true profitability figures.• Working on assigning the Risk rating of PD and LGD to the Borrower, and detailed risk rating rationale write-up.• Detailed borrower analysis - Includes the ability to make loan repayments, financial spreads of the borrower, covenant testing, and collateral valuation.• Detailed rent roll and lease analysis for revenue forecasting.• Study of Appraisal reports like assumptions and method (Income cap & DCF) which appraiser used to derive the valuation of the property.• Analysis of various third-party reports like Environmental reports, Credit memos, Term sheet,s or any modification in loan.• Guarantor Analysis and calculating the liquidity, net worth, and outsider net worth of the guarantor. Show less

• Different types of draw disbursement to CRE borrowers.• U.S Mortgage Servicing and compliance services.• Checked contractor and sub-contractor application certificates for payment and linked their proof of payment like Lien waiver and ACH or wire transfer receipt.• Loan abstraction from loan agreement and ensures the compliance of all covenants.• Calculation of Net Operating Income, Debt Service coverage ratio, and Property value to depict the impact on the rating of Loan on… Show more • Different types of draw disbursement to CRE borrowers.• U.S Mortgage Servicing and compliance services.• Checked contractor and sub-contractor application certificates for payment and linked their proof of payment like Lien waiver and ACH or wire transfer receipt.• Loan abstraction from loan agreement and ensures the compliance of all covenants.• Calculation of Net Operating Income, Debt Service coverage ratio, and Property value to depict the impact on the rating of Loan on property.• Analysis of Operating Statements by reviewing income and expenses of various types of property like multifamily, Industrial, etc. from various sources like FMAC, FANNIMAE, and GA.• Conducted research, gathering information from multiple sources, and presented results.• Ensured sufficient balance in the Reserve bucket to disburse the current draw amount.• Identified budget variances and recommended corrective actions, avoiding overruns and maintaining a positive cash position. Show less