Vivek Singhal Email & Phone Number

Sydney, Nsw, Au

Sydney, New South Wales, Australia

Key Responsibilities: • Leading a team of six underwriters, monitoring the service level standards and mentoring team members on underwriting policies and processes to boost productivity.• Managing key builder insolvency risks to the Home Building Compensation Fund (HBCF) scheme.• Managing highly effective business relationships with builders and third‐party service providers.• Actively resolving disputes and complaints with builders to achieve outcomes that are in the best interest of the HBCF scheme.• Leading system enhancement projects to add new capabilities in the existing system.Key Highlights: ✓ Developed a productivity tool to identify underperforming analysts and helped them to improve their productivity by more than 50% with effectively communicating constructive feedback.

Sydney, New South Wales, Australia

Key Responsibilities: • Assessing credit position of major residential builders to identify key risks and recommending mitigation strategy.• Analyzing financial statement, preparing credit assessment report, and presenting analysis to underwriting committee for insurance eligibility.• Performing periodic reviews to ensure that risk profile is within the overall risk appetite of the scheme.• Evaluating applicant’s internal credit rating using bespoke assessment model. Key Highlights: ✓ Secondment - Managed a team of five Senior Analysts which included communicating job expectations, planning workflow, monitoring their performance, and motivating for quality with timely delivery of assignments.

New Delhi, Delhi, India

Key Responsibilities: • Prepared 140+ (<$50m) credit proposals comprising business descriptions, management evaluation, financial statements, key risks, and credit solutions such as escrow accounts, ballooning repayments & cross-collateralization.• Undertaking financial statement analysis including cashflow analysis, evaluation of past and future financials, sensitivity analysis, benchmarking with peers and credit ratings to assess the credit worthiness of borrowers.• Providing strategic advice to Relationship Managers (RMs) to structure credit deals.Key Highlights: ✓ Scaled up the portfolio by 65% to $200m over 18 months by generating new leads, suggesting credit structure, and assisting RMs in security documentation.✓ Scrutinized two stressed accounts ($40m) through early warning signals and devised a strategy to reduce exposure.

New Delhi, Delhi, India

Key Responsibilities: • Prepared 150+ credit assessment reports encompassing business model, key competitive advantage, cashflow analysis key risks with mitigation, and rating recommendations.• Headed 10+ client meetings per month to understand business models and risk mitigation strategies.• Maintaining effective internal control systems by monitoring the management information system spreadsheet to ensure a timely review of credit ratings and the release of rating rationales into the public domain.Key Highlights: ✓ Managed credit portfolio of 180 clients and flagged more than 25 major risks such as price fluctuation, interest rate and compliance risks by issuing risk advisories on changes in macro-economic factors such as interest rates, forex fluctuations and commodity prices that had potential material impacts on the portfolio risk profile.

New Delhi, Delhi, India

Key Responsibilities: • Appraised 400+ credit submissions to determine loan viability (up to $50m) by ensuring compliance with regulations and examining key risks such as business risk, financial risk, management risk and structure risk.• Submitted more than 300 risk reports to credit committee with recommendations on exposure, collateral security, and pricing to achieve effective risk management.Key Highlights: ✓ Scaled up the portfolio of construction clients by 40% to $1B over the period of 4 years through 2014.✓ Observed early warning signals in loan portfolio by stress testing against movements in macro factors.

Chartered Financial Analyst

Certified Professional Accountant, Cpa Australia

Chartered Accountant

Chartered Accountant

Bachelor Of Commerce (B.Com.), Accounting And Finance