Yash Mishra Email & Phone Number

New York, New York, United States

• Responsible for full Cycle Underwriting of assigned business financing, renewals on transactions up to $500k
• Conducted thorough due diligence on eligible deals, including valuation, credit reviews, and risk assessments through merchant interviews and site inspections.
• Analyzed a variety of financial documents, including credit reports, P&L statements, balance sheets, and tax returns to evaluate merchants' financial health.
• Applied underwriting criteria in line with credit policies to assess and mitigate financial exposure associated with merchant applications.
• Made informed approval/denial decisions based on extensive analysis of financial data and due diligence findings.
• Worked closely with internal Sales and Funding teams to communicate funding offers and finalize deals effectively.

New York, New York, United States

• Reviewed loan applications and supporting documentation to determine eligibility and creditworthiness of borrowers.
• Analyzed financial statements, credit reports, tax returns and other relevant data to identify potential risks.
• Verified the presence of UCC filings for business loan applicants to prevent asset duplication for multiple forms of financing.

New York, New York, United States

• Collaborated with senior appraisers to inspect 40+ office properties, recording floor plans, tenant details, building improvements and tax information.
• Enhanced commercial real estate comparable properties dataset by incorporating over 2,200 new comps through extensive internal and external database, leveraging CoStar and YIMBY.
• Conducted over 50 thorough neighborhood analyses of the New York city office market, emphasizing factors such as availability, vacancy,new construction, developments, demographics, median income, and spending.
• Implemented cost, sales, and income capitalization approach for 5+ office buildings under the guidance of an appraisal associate.

Mumbai, Maharashtra, India

• Performed comprehensive analysis of operational workflows, pinpointing bottlenecks and implemented streamlined processes, resulting in the elimination of warehousing needs. This strategic overhaul resulted in the.
• Fostered seamless export operations by collaborating closely with customs housing agents, ensuring timely clearance, and securing essential documentation for operational precision.
• Collaborated cross-functionally with the project management, operations, and diverse finance teams to strategically guide financial performance through quarterly planning and governance activities.

Daman

• Executed a comprehensive financial analysis of procurement processes, pinpointing cost-saving opportunities via strategic vendor negotiations and contract optimization. This resulted in heightened operating efficiency.
• Spearheaded financial stability and elevated company performance by implementing meticulous asset management practices and crafting a comprehensive master budget.
• Utilized advanced cash-flow modeling techniques to streamline project planning and execution for both proposed and ongoing development projects, resulting in efficient project completion.
• Conducted market research and competitor analysis to inform pricing strategies for product sales, contributing to enhanced pricing competitiveness and a strengthened market position.
• Streamlined the review and processing of domestic and international invoices for prompt payment, actively addressing discrepancies in purchase orders, contracts, and invoices to ensure precision in financial.

Masters Of Science, Financial Risk Management

Professional Diploma, Digital Marketing, 82%

Mimic Pro & Mimic Social ( Simulation based Digital Marketing) - Highest grade obtained

Bachelor Of Business Administration, Business, Management, Finance, 8.0

Activities and Societies: Sports Captain- Final Year, during Annually held Amity Mumbai League