KRUTESH TRIVEDI

* ****** **** *****

Durham, NC *7703

Cell: 919-***-****

abl8xh@r.postjobfree.com

Education

North Carolina State University

Raleigh, NC

Major: Business Management

Concentration: Finance

Three years of diversified experience in the field of Business Management

with major focus on Risk Analysis, Data Management, and Commercial Loan

Renewals. Excellent understanding of business rules, processes, and user

requirements and extensive analytical skills coupled with good co-

ordination, communication and interpersonal skills describing a committed

Team Player.

Specific Expertise

. Utilized a fusion of industry knowledge to provide executive

management the development and implementation of interactive business

tools, and strategic analysis, vital for use in mission-critical

decision-making.

. Ongoing monitoring of commercial loan portfolio: Perform credit

analysis on a sampling of loans from each loan type in the portfolio

as randomly selected by Risk Assessment Manager. Identify areas of

potential exposure uncovered through these analyses.

. Maintaining excellent relationships with customers by using Customer

Relationship Management Tools.

. Underwriting New Credit Requests: Gathering financial information,

analyzing the data, completing the Loan Approval Report and presenting

the credit to the appropriate approval individual or committee.

. Excellent communication skills and the ability to communicate

effectively in three different languages (English, Spanish, Hindi).

. In depth ability to multi-task and work efficiently with changing

environments while working in the banking and financial industry.

. Expert in preparing flowcharts, data mining reports and profit-loss

statements using Excel.

. Covenant Monitoring and Interim Financial Analysis: Obtain the

documents required by loan covenants from the borrower, analyze the

information, complete the appropriate worksheets, and communicate

trends to loan officer. Monitor collateral tracking and obtain

appropriate documents in a timely fashion

. In depth knowledge of initiating and managing new and existing

accounts and reporting them to upper level management.

. Strong organizational skills to complete extensive work loads by

working independently and being a good team player.

Computer Skills

OS MS Windows

Defect Tracking Rational Clear Quest

Tools

RDBMS Oracle, MS Access, SQL

Internet Dream Weaver, IE/Mozilla/FF, Netscape

Software Packages MS Office, Lotus Notes, Outlook

Professional Experience

Harrington Bank, Chapel Hill, NC

Credit Risk Analyst-Risk Management October 2008-

Present

Harrington Bank obtained its own bank charter and became a full service,

North Carolina-based, privately owned, community bank in December 2001.

Harrington Bank is a private community bank and is a part of the Harrington

Financial Group. The bank has over $270 million in loan balances and over

$100 million in deposits and is growing day by day.

Responsibilities

. Underwriting, maintaining and updating existing loans in the portfolio

and new credit requests.

. Provide analysis on at-risk accounts to prevent the bank from taking a

loss.

. Conduct residential inspections on behalf of the bank to summarize the

state of the subject property.

. Work with risk management team to minimize losses and work on loan

loss reserve analysis.

. Conduct loan closings with attorneys and verify the lien position on

the deed of trust.

. Write loan modifications/deferrals for borrowers requesting rate

changes.

. Monitor the bank's loan documents and portfolios electronically and

gather timely financials from borrowers.

. Perform collateral analysis on real estate, commercial and stock

secured loans on a quarterly basis.

. Analyze loan grades for loans in the bank's portfolio and update the

Loan Exception Report.

SunTrust Banks, Inc., Durham, NC February-Oct 2008

Credit Analyst- Commercial Real Estate

SunTrust Banks, Inc., with total assets of $175.9 billion on September 30,

2007, is one of the nation's largest and strongest financial holding

companies. Through its banking subsidiaries, the company provides deposit,

credit, trust, and investment services to a broad range of retail,

business, and institutional clients. Other subsidiaries provide mortgage

banking, credit-related insurance, asset management, brokerage, and capital

market services.

Responsibilities

. Analyzing and spreading financial information for both new and

existing loans, creating standardized loan approval packages, advising

lenders in any credit policy exceptions, and ensuring that loan

approvals have been properly documented.

. Monitoring liquid secured loans, loan covenants using Mainframe and

reporting to senior management of any facilities which are out of

compliance.

. Analyzing loan requests for the commercial, Private Wealth Management,

and Real Estate line of business in various market extending from

Florida to Maryland.

. Spreading balance sheets and income statements using Moody's Risk

Analyst program.

SunTrust Banks, Inc., Durham, NC

June 2005-February 2008

Financial Services Representative

Responsibilities

. Initiating and managing new and existing installment loans and lines

of credits by using Microsoft Excel.

. Providing excellent customer service using effective Customer

Relationship Management tools.

. Creating new marketing schemes to promote array of financial products

in Retail Banking.

. Opening new checking, savings, and Money Market and CD accounts for

clients.

. Preparing monthly sales reports for different lines of businesses such as

Investment, Mortgage, and Retail Banking.

. Retaining existing clients by using excellent account management

skills and providing assistance in making important financial

decisions.

American General Finance, Raleigh, NC

January 2007-August 2007

Financial Representative- Intern

American General Financial Services, a member of American International

Group, Inc., provides loans, retail financing and other credit related

products to more than two million families in 45 states, Puerto Rico and

the U.S. Virgin Islands. The company's main market focus is in consumer

lending, mortgages, home equity lines of credit, and retail sales

financing.

Responsibilities

. Analyzing credit reports of existing and potential new clients.

. Performing risk analysis using client's debt-to-income ratio to base

loan decisions.

. Soliciting existing and new clients for different loan products using

the Internal Lead System.

. Performing risk management on several clients' ability to repay the

loan amount.

. Performing data mining activities on monthly performance reports to

the district manager.

. Closing on new installment, auto, and personal loans after approving

the loans from management.

. Working with management to make a loan decision and to approve the

clients for a good rate.

Sony Ericsson, Research Triangle Park, January

2006-August 2006 System Testing- Intern

Sony Ericsson Mobile Communications is a global provider of mobile

multimedia devices, including feature-rich phones, accessories and PC

cards. The products combine powerful technology with innovative

applications for mobile imaging, music, communications and entertainment.

The net result is that Sony Ericsson is an enticing brand that creates

compelling business opportunities for mobile operators and desirable, fun

products for end users.

Responsibilities

. Testing new versions of software on the latest models of phones and

accessories.

. Validating tests using result database to improve the quality of phone

display.

. Creating new test cases for the Software Verification Department.

. Working in teams along with department managers to solve hardware

issues.

. Organizing team meetings to discuss the status of latest multimedia

devices.

. Running test cases and reporting the progress of software versions to

the team manager.

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