Simrit Agrawal Email & Phone Number

East Meadow, Ny, Us

New Hyde Park, Ny

New Hyde Park

- Responsible for managing the Northeast Region's Tenant Account portfolio comprising of 40 properties.- Review, analyze and resolve tenant disputes related to common area maintenance (CAM) and real estate(RE) tax reconciliations.- Work in collaborative fashion with leasing, property management, and external legal counsel to initiate legal collections. - Prepare and review monthly rent arrears reports to monitor rent arrears activity, late fees, and default action. - Prepare and review monthly CAM & RE TAX reconciliation reports.- Maintain Tenant Pursuit notes.- Maintain and update monthly AR and Legal reports.- Monitor and update unapplied cash reports.- Process tenant refunds related to security deposit, overpayment, CAM and RE TAX credits, - Review, analyze, and process write-offs related to late fees and defaulted accounts. - Track payment plans.- Request CAM escrow adjustments based on account analysis. - Communicate with tenants on daily basis for payment confirmation, dispute resolution, and tenant inquiries.- Review and update monthly accounts receivables (AR) over 90 days to ensure timely collections. - Operate various computer applications such as MS Word, MS Excel, CTI (proprietary) P2P (proprietary), and Collect Plus (proprietary) to run report, monitory account activity, process refunds, and resolve disputes.

- Evaluated and analyzed credit requests for Business Revolving Lines of Credit (BRLOC), term loans, lines of credit, and personal lines of credit up to $250M.- Approved credit requests based on credit investigation, financial statement analysis, account receivables and payables analysis, collateral valuation, guarantor’s support, legal entity structure, life cycle stage, and evaluation of industry, market and management risks.- Prepared Credit Offering Memorandums (COMs) by enlisting transaction summary, business background, banking relationship, industry and market analysis, financial analysis, collateral analysis, guarantor analysis, key credit risks and mitigating factors, risk rating conclusion, and recommendations to approve the loan request. - Prepared quarterly risk analysis reports using MS-Excel to analyze the Bank’s portfolio performance by the sponsoring officers. - Interacted well with Group Directors during the product transition process and successfully explained the concerns and questions that were raised by the Group Directors during this transition process.- Assisted the lending team to compile monthly overdraft reports to monitor the overdraft activity and monthly past due reports to monitor the past due activity.- Prepared loan documents such as Promissory Notes, Line Letters, Continuing General Security Agreements, Continuing Personal Guarantee, Term Notes, Term out Letters, Reaffirmation of Guarantee Forms and Pledge Agreements.- Executed loan documents for processing and booking of loan requests in a timely manner by loan administration department.- Examined Borrowing Base Certificates to determine the collateral coverage of various companies.- Maintained monthly Regulation B log for declined loan requests.- Successfully completed online trainings – Anti-Money Laundering, Fair Lending, Privacy of Consumer Financial Information, and Diversity.

- Processed Letters of Credit (LC).- Involved in currency exchange transactions.- Processed incoming wire requests from branches.

· Commercial Credit: Fulton Financial Corporation, November 27, 2006 to February 02, 2007- Analyzed financial statements to determine the strengths and weakness of firm’s credit for loan approvals.- Attended Officer Loan Committee Meetings and participated in deliberations involved in the loan approval process.- Prepared Loan presentations for the regional and senior loan committee.- Used the Baker Hill One Point 32 application to perform financial spreads.

- Raised funds worth $2,478,249 for the 20f06 United Way Annual Campaign, which was an increase of 5% from the year 2005.- Completed Dale Carnegie’s Sales Training and presented United Way’s message at various employee presentations.- Managed 50 Assigned Accounts and provided customer service by understanding the needs of the coordinators and their willingness to commit to the campaign. - Researched, evaluated and contacted prospects for new account development.- Managed and monitored campaign progress on a regular basis and made adjustments when necessary to attain goals.

- Performed Customer Service Representative duties such as opening new accounts and cross selling products to customers.- Prepared Product report for the manager comparing Fulton’s products to its competitors.- Attended Advisory Board and Marketing Team meetings to gain knowledge of Fulton’s marketing and sales strategy.- Performed Teller responsibilities such as handling cash drawer, making referrals, processing cash tickets, return items, cash advances, night deposit bags and vault transactions.

- Researched and analyzed foreign currency exchange data.- Conducted material pricing research on SAP system.

Masters Cetificate, Software Testing

Mba, Finance, 3.83

Bsc, Finance, 3.94

Completed following courses: 1.) Economics I & II 2.) Political Science I, II, III, IV 3.) Technical Calculus 4.) Legal environment.