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Loan underwriting and portfolio management

Location:
White Plains, New York, United States
Posted:
February 27, 2018

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Resume:

SANJAY S SHIRALI

*** ********

White Plains, N.Y. 10605

ac4mq5@r.postjobfree.com

914-***-****

FLUSHING BANK

SENIOR CREDIT UNDERWRITER

COMMERCIAL PRIVATE BANKING & REAL ESTATE LENDING DIVISION

JULY 2013 – FEB 2018

Was responsible for portfolio management, credit underwriting new transactions, credit approval, risk management and portfolio credit quality functions within the Commercial Lending & Real Estate Group. Primarily involved in structuring and underwriting Commercial and CRE transactions ranging from $250M to $50MM representing all commercial, private banking and commercial real estate lending products including bridge loans, working capital, accounts receivable financing, secured and unsecured facilities. Liaised with the Legal Department to establish appropriate legal documentation for structured and customized Commercial Real Estate transactions for Commercial and Real Estate Borrowing Clients’ asset purchases in the New York Region.

Responsibilities include monitoring of financial performance of credit relationships, conducting ongoing quarterly and annual reviews through in-depth Balance Sheet, Income, Cash Flow analysis, monitoring collateral audits, risk ratings of each loan in the portfolio, evaluate appraisals and environmental reports. Conduct monthly/quarterly portfolio reviews of all loans jointly with internal auditors, to recommend remedial management strategies as required on classified loans. Portfolio Administration includes responsibility for conducting internal peer reviews of portfolios as required.

2011-2013

Functioned between 2011 and 2013 in various consulting roles assisting two financial institutions under NYS and FDIC Cease & Desist orders, to strengthen their credit/risk management functions to ensure survivability and growth

HSBC BANK USA, N.A.

COMMERCIAL LENDING & PRIVATE BANKING GROUP

SENIOR CREDIT OFFICER & PORTFOLIO MANAGER

MAY 2007- JANUARY 2010.

Involved in credit structuring, portfolio management and credit transactions for the Commercial, Lending and Real Estate Lending Groups. Responsibilities covered a portfolio of credit related clients requiring facilities to support their investment and asset accumulation needs totaling over $150 Million with transactions ranging from $250M to $50MM. Overall Portfolio represented the entire spectrum of Lending products and other customized facilities as required by Commercial Clients and business owner clients for business asset acquisitions and for their personal and business operations.

Responsibilities included managing and monitoring of financial performance of relationships through ongoing quarterly and annual reviews through in-depth Balance Sheet, Income, Cash Flow analysis, monitoring collateral audits, RAROC & LGD risk metric management, ensuring that all existing and new transactions adhered with the Bank’s RAAC criteria and review appraisals and environmental reports. Conducted monthly/quarterly portfolio reviews of all loans, recommend remedial management strategies as required, to have credits repaid by clients or transferred to appropriate remedial areas within the institution. Portfolio Administration included responsibility for all aspects of legal documentation and conducting internal audit reviews of portfolios as required.

Resigned to move overseas to manage a family medical emergency situation 2010-2011.

THE CITIGROUP COMMERCIAL & PRIVATE BANK

2000 - 2006

SENIOR CREDIT OFFICER.

NEW YORK, U.S.A.

Functioned within the Credit & Portfolio Management Group in New York. . Responsible for managing all aspects of credit for a Commercial and Private Banking portfolio, representing credit facilities for clients requiring credit facilities to support their business and personal financial needs. Business and Private Banking Credit transactions ranged from $1MM to $50MM.

Products offered to clients included short and long term facilities to support personal and business requirements on a Secured and Unsecured basis, accounts receivable, equipment and trade financing, Commercial and Investment Real Estate Financing for Business Owners, FX transactions and other customized facilities as required by clients for asset acquisitions.

Responsibilities included monitoring all aspects of the credit portfolio maintained in New York including RAROC, LGD and RAAC adherence. Maintained ongoing portfolio risk management procedures to achieve satisfactory audit reviews.

BANK CREDIT: Citibank's Global Corporate Bank Credit Training (C.A.U.) Program TRAINING Citibank’s Harlan Real Estate Lending Program -

ACADEMIC PACE UNIVERSITY - USA MBA (Finance)

QUALIFICATIONS:



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