NEERAJ AHUJA

*-** **** ******, **** Island City, NY . 845-***-**** .

acgffu@r.postjobfree.com

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EDUCATIONAL QUALIFICATION[pic]

Fairfield University, Fairfield, CT GPA 3.9/4.0

Master of Science - Finance

Devi Ahilya University, India GPA 3.9/4.0

Master of Business Administration - Finance and Marketing

Devi Ahilya University, India GPA 3.8/4.0

Bachelor of Science - Biotechnology

CFA level II candidate

PROFESSIONAL EXPERIENCE

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MOODY's INVESTOR SERVICES, Analyst, CMBS

2013-Present

. Perform in-depth credit analysis of core and non-core commercial real

estate assets to establish ratings for new CMBS issuance in conduit and

stand-alone transactions.

. Lead the ratings process and present asset and deal level analysis to the

rating committee, communicate subordination levels for conduit

transactions and tranching for stand-alone deals to issuers, prepare

presale reports, and manage investor calls

. Perform thorough review of loan- and deal-level legal documentation to

ensure compliance with CMBS and REMIC requirements

. Conduct site visits to assess property quality, performance of property

management and asset's desirability relative to broader market

. Mentor junior analysts to enhance their understanding of Moody's

methodology and underwriting standards

Transactions:

> Determined ratings for various conduit transactions (regular conduits,

agency, and seasoned pools), a $619 million large loan transaction

backed by five Class A retail properties in four major cities in the

US, and conducted preliminary analysis of a $750 million single-

borrower transaction backed by a Class A office property located in

Midtown Manhattan

TD BAnk, Credit Portfolio Manager/Vice President, Commercial Real Estate

2011-2013

. Managed a $350 Million Commercial Real Estate loan portfolio comprising

of permanent and construction credit facilities to 20 customers

. Prepared credit approval memorandums focusing on asset quality, market

conditions, industry trends, risks, tenancy, cash flow projections,

repayment sources, leverage, and sponsorship

. Structured credit facilities, negotiated terms with customers, and

coordinated loan closings with internal and external legal counsel

. Managed portfolio by performing annual reviews and renewals of existing

loans

. Monitored and notified management of any quality deterioration or risk

concerns in existing portfolio and created appropriate action plans

Transactions:

> $135 million sale-leaseback transaction of a 1.3 million SF, class-A

office building in New Jersey with a publically traded investment

management firm

> $160 million syndicated construction facility to a large real estate

private equity firm for construction of a 645 unit multi-family

apartment building in Washington D.C market

TD BAnk, Credit Analyst II, Middle Market Lending

. Conducted credit analysis and prepared deal discussion memorandums for

complex syndicated facilities, acquisition financing, and

recapitalizations in conjunction with Credit Portfolio Managers and

Lending Officers

. Underwrote new credit requests and conducted annual financial reviews

focusing on borrower's operating performance, financial leverage,

enterprise value, key risk factors, sources of repayment, cash flow and

ability to service debt

. Determined borrower and facility risk ratings for potential and existing

credits to monitor the risk profile of Bank's loan portfolio

. Performed Risk Adjusted Return on Capital (RAROC) analysis on new and

existing relationships for optimization of lending resources and

comparative analysis of opportunities

. Performed sensitivity analysis on financial projections to determine

collateral shortfall and covenant compliance under stressed conditions

Transactions:

> Highly levered, buy-side syndicated transaction to provide senior debt

for a private equity sponsor-backed acquisition of a Connecticut based

Toy Company

> Analysis of Cash Flow/Enterprise Value based senior credit facilities

with minimal collateral reliance for a NY based Travel Media Company

> Healthcare Transactions: Refinancing and growth funding for an Intra

Operative Monitoring Company, senior debt financing for acquisition of

a Drug Distribution and Infusion Company, and Equipment Line for a CT

based not-for-profit Hospital

HSBC, Analyst, Wealth Management Group, Mumbai, India

2009-2010

. Advised clients on investment in financial asset classes such as

Equities, Mutual Funds, Exchange Traded Funds, Market Linked Insurance

Plans and Foreign Exchange

. Helped investors with their equity portfolios by researching Indian

capital markets and macro-economic indicators to determine the long term

growth of equities and funds

. Evaluated investment approaches to maximize return and cash flow on the

funds invested by the clients

. Maintained client database and retrieved data from various client and

investment databases to generate monthly management reports

AXIS BANK ltd, Foreign Exchange banking, Mumbai, India

2008-2009

. Handled the foreign exchange transactions including SWIFT Wire transfers,

ACH transactions, direct and cross currency exchange, Traveler cards &

foreign currency checks

. Processed monthly payroll for salary accounts of shipping companies using

automated clearing house (ACH) transactions and direct deposits

. Performed banking operations such as real time gross settlement transfer

(RTGS), reconciliation of bank accounts, tracking of wire transfer

monies, and negotiation of exchange rate with trade finance department

. Built highly profitable business portfolios rooted in demand deposits and

fee income, which increased the revenue base of the banking center by INR

3 Million

COMPUTER SKILLS [pic]

. Moody's Risk Analyst: generation and interpretation of borrower risk

rating (PD), consolidation and creation of pro-forma financials, ratio

analysis

. MS Excel and Visual Basics (MS Office): Data analysis, pivot tables, V

and H lookup, nested formulae, macros, financial modeling

. Bloomberg: Equities module of Bloomberg essentials online training

certification

. QuickBooks: Receivables and payables management, P&L and balance sheet

generation and analysis, reconciliation of bank accounts, general

journal entries

. Treasury Software: Creation of NACHA files, ACH processing, payments and

collections, bank account reconciliation

. E views and SPSS: Statistical data Analysis using SPSS and E views

software, regression and correlation analysis, interpretation of graphs

and results

SOciAL REsponsibILITY[pic]

. Volunteered with Junior Achievement at TD, USA and HSBC, India

. Organized Fairfield beach cleanup event in April 2010

Contact this candidate