Ryan Pattle Email & Phone Number

London Area, United Kingdom

London, England Metropolitan Area

Key Responsibilities:- Producing bespoke securitisation cash flow models from deal documentation (Offer Circular/Prospectus), including STS compliant models for UK and European transactions (standalone and master issuer).- Management of junior staff- Third party verification agent and client model presentations.- Testing previously built models.- Liaising with deal personal, working with numerous originators, arrangers and lawyers.- Monitoring industry developmentsCollateral categories modelled:-Residential mortgages (RMBS)-Equity Release mortgages-Auto Loans-Consumer LoansKey model characteristics:-Standalone and Master Issuer transactions-STS compliant models, approved by UK and European third-party verification agents.-Revenue, Principal and Post Enforcement/Acceleration waterfalls-General/Liquidity/Prepayment Reserve Funds-Vertical Risk Retention Notes-Variable Funding Notes-Interest Rate and Cross-Currency Swaps-Revolving Asset Period-Subordinated Loan-Calls (Clean-Up Call, Step-Up, Legal/Tax)-Amortisation mechanism (turbo)

Once in a lifetime experience to travel across Europe, South America and four wheel drive across outback Australia.

Melbourne, Australia

Led the management of company group capital and loan portfolio funding positions. In addition, accountable for junior investment staff, team compliance procedures, portfolio reporting, quality of asset level data and divisional IT enhancements.Key responsibilities:-Reviewing monthly RMBS investor reports and presenting to senior staff in associated performance meetings (asset allocation, pool parameters, trigger events, credit enhancement models, repayment arrears performance and data tapes).-Maintain portfolio compliance with loan facility documentation – portfolio parameters, asset eligibility, utilisation.-Daily analysis and forecasting of company group capital.-Management of ASIC regulatory defined liquidity minimums.-Member of the Settlement Team for upcoming RMBS issuances.-Providing monthly reports and portfolio recommendations to upper management.-Hypothetical portfolio analysis.-Ensuring quality and completeness of asset level data.-Management of junior staff members.-Automating portfolio processes via core system enhancements.-Maintaining portfolio procedures and policies.

Melbourne, Australia

Responsible for analysing and managing company portfolios. The process involved ensuring advantageous asset allocation, covenant compliance and portfolio reporting to internal and external stakeholders.Key Responsibilities:-Constructing portfolios for the purpose of creating residential mortgage backed securities (RMBS) - analysing Rating Agency methodology, term sheets and forecasting credit enhancement outcomes.-Monthly performance reporting to internal stakeholders, Rating Agencies and institutional/retail investors.-Management of asset eligibility and mortgage pool level restrictions as defined in investor documentation. -Preparing and executing hypothetical loan portfolio scenarios.-Liquidity management of benchmarks and minimums.-Monitoring subordination levels throughout portfolio tranches.-Analysing the portfolio impact of loan settlements, originations, non-performing assets and discharges.-Conducting performance analysis on acquired portfolios.

Melbourne, Australia

-Annual financial reports for statutory reporting.-Month end internal reporting packs for entities – balance sheet and P&L statement, KPIs, journal entries and ledger reconciliations.-Year-end audit packs and ad-hoc tasks as required for year-end reporting.-Income tax lodgements and the monitoring of compliance with an entity’s Australian Financial Service Licence (AFSL).-Drafted formal accounting papers on upcoming changes in regulatory accounting standards.

Graduate Diploma Of Chartered Accounting, Accounting And Finance

Bachelor Of Commerce (Bcom), Accounting And Finance, Distinction Average

Victorian Certificate Of Education