Sonam Berde, Cfa Email & Phone Number

Toronto, On, Ca

Toronto, Ontario, Canada

• Adjudicate, approve and recommend construction and term credit applications across different real estate assets – Residential, Retail, Office and Hospitality.• Conduct extensive due diligence on credit applications and assess the proposed exposure on the basis of deal structure, security package, collateral valuation, loan metrics, independent market research, third party reports and sponsor strength.• Assess strength of construction loans as per its specific characteristics: Location, type of asset, planning approvals attained, pre-sales/ pre-leases/ pre-rentals achieved, project metrics, environmental risks and remediation required etc. • Identify major risks in proposed credit applications and recommend appropriate risk mitigants to contain it.• Review and update DUCA real estate lending risk policies and guidelines• Lead team of risk analysts and provide ongoing training to enhance their commercial credit adjudication skills. • Lead adjudication of CMHC backed multi unit residential building financing.• Adjudicate real estate credit financing requests of ~$5-$70MM

Toronto, On, Canada

• Review and recommend real estate lending proposals from $1-$10MM• In depth analysis of financials and real estate models • Develop CMHC (Canada Mortgage Housing ) lending initiatives

Toronto, Ontario, Canada

Dubai, United Arab Emirates

• Responsible for managing portfolio of commercial clients across diverse sectors • Financial due diligence of client’s financials, stock audit reports, order book, etc.• Preparing comprehensive financial models entailing multi-year projections, scenario analysis, and stress testing • Analyzing financial metrics and non-financial aspects such as: company leadership, ownership structure, industry characteristics, market share of the company, etc.• Understanding client’s business model and its key drivers, and evaluating the quality and resiliency of company’s earnings• Preparing detailed credit assessment and business due diligence reports• Build relationship with company’s promoters and senior management to explore opportunities for business development • Tailoring appropriate deal structure, negotiating pricing to maximize the bank’s investment ROE• Liaise with cross-functional teams to gauge and resolve probable legal, financial or compliance related issues with existing bank exposures or prospective lending deals• Executed commercial banking deals with clients from sectors such as: Construction, FMCG, Gold & Jewellery, chemical trading etc.

Mumbai Area, India

• Evaluate credit requirements of corporate clients in the wholesale banking segment • Preparation of the credit assessment notes covering detailed analysis of business, industry, management and financials • Forecast multi-year financials and cash flows to evaluate company’s debt servicing ability• Responsible for managing stressed corporate assets by restructuring the impaired debt• Generate prospective investor interest and appropriate deal structuring to facilitate strategic sale of companies with distressed debt • Prepare sell side M&A materials; Information memorandum, teasers, PPT’s, utilized to pitch the companies with distressed debt to prospective strategic buyer• Executed assignments with clients from following sectors: Textile, Information Technology, Automobile etc.

Mumbai, Maharashtra, India

• Restructure stressed debt exposures to ensure that debt servicing is sustainable for the borrower by implementing restructuring strategies • Design suitable debt restructuring package post detailed financial and strategic due diligence of the borrower’s financials and business model • Generate prospective investor interest and appropriate deal structuring to facilitate strategic sale of companies with distressed debt

Mumbai

• Asset management, appraisal, acquisition and disposition of Real Estate assets held by the bank in US residential sector• Valuation of real estate assets using discounted cash flow, sales comparable, income cap and cost approach • Evaluate third party valuation reports for real estate assets held by the bank in the US residential sector• Debt analysis of the real estate asset to understand the viability of existing debt • Conduct hold- sell analysis to evaluate the profitability of holding the said asset• Prepare budget for the real estate assets to forecast its revenue, expense, net operating income, tenant turnover (vacancy rates) etc

M.B.A, Finance

Bachelors In Management Studies, Finance