Customer Service Management

Matthew Geevarghese

**** ***** ******, **** ** East Meadow,

NY 11554

(c) 917-***-****

********@*****.***

EXPERIENCE: STERLING NATIONAL BANK, New York, NY

Credit Analyst, Consultant - 09/13 - 4/14

. Prepared credit analysis on loan portfolio utilizing

company and industry research.

. Assigned risk ratings for new loans and renewal credit

facilities.

. Verified and tested covenant information to measure

acceptable parameters.

. Collected, reviewed and conducted stress test on collateral

and financial data.

. Supported the Relationship Manager in preparing Credit

Memos and Terms of Agreement reports for asset based

lending (ABL) borrowers and middle market customers.

. Modeled financial statements for potential and existing

customers.

. Ensured proper loan structuring and loan covenant

performance.

PRESIDENTIAL LIFE, Nyack, NY

Credit Analyst, AVP, 6/02-12/12

. Assisted in the active management of a $3.6 billion

portfolio, mainly investment grade corporates and limited

high yield/leveraged corporates, CMBS, and preferred stock

positions.

. Focused analysis on high yield, fall angel and BBB-

corporates

. Monitored existing portfolio for credit deterioration and

prepared sell and buy candidates reports.

. Analyzed financial statements for credit factors such as

operating, financial and leverage ratios.

. Completed detailed credit analysis on various sectors,

industries, asset classes and ratings.

. Modeled financial statements for credit review.

. Supported investment decisions related to alternative

investments - private equity and Schedule BA assets.

. Analyzed potential new partnership investments and reviewed

significant private equity exposures.

. Prepared quarterly reports on portfolio analytics to

measure changes in fixed income metrics.

. Supported in optimizing the asset portfolio and

liabilities with actuaries, external consultants, and

senior staff -primarily duration, yield matching and

liability driven investing {LDI} programs.

. Segmented the assets according to product and business

lines using internal models and BondEdge.

. Modeled portfolio for simulation and scenario analysis

using BondEdge and Bloomberg.

. Prepared weekly reports for Product Pricing

Committee/actuary staff and supported annual cash flow

testing.

. Supported investment accounting staff in preparing

quarterly and annual financial statements.

. Aided in quarterly and annual OTTI analysis and implement

investment write-down procedures.

. Provided reports for product segmentation/ALM, risk based

capital for corporate wide strategic and budget planning

involving corporate Board of Directors and senior

management.

. Aided in risk management and portfolio analytics programs.

. Assembled portfolio reports detailing industry, company and

credit concentration for PM/CIO, actuary and investment

accounting.

. Maintained internal and regulatory risk control standards.

SANDS BROTHERS & Co., New York, NY

Equity Analyst, 12/99-2/01: Research Associate, 10/98-12/99

. Initiated coverage with industry report and company

specific reports.

. Developed discount cash flow models and valued

telecommunication companies.

. Responsible for writing quarterly and initiation reports.

. Assisted Senior Analysts in performing fundamental research

on companies in various sectors.

. Produced industry reports on Internet security & telecom

companies.

. Constructed balance sheets, income statement models,

discount cash flow models and managed all

research databases.

. Performed research on economic indicators, market indices,

sector performance, and earnings

forecasts.

TIAA-CREF, New York, NY

Investment Specialist 11/97-10/98

. Executed investment strategy decisions and administered

portfolio restructuring based on

asset allocation models.

. Computed and graphed analytical portfolio data and

performed benchmark and return analysis.

. Presented trading activity information to senior

management.

. Reported portfolio statistics to traders, portfolio

managers and management.

PNC BANK, Princeton & Wilmington,

Portfolio Representative I, 5/97-10/97: Investment Assistant,

3/96-5/97 & Investment Trainee, Fixed Income Trading, 9/95-3/96

. Co-managed (Equity and Fixed Income) and constructed

portfolios to meet investment objectives. Executed

investment decisions based on research and market

conditions; implemented investment policy based on research

and department guidelines. Developed relationships with

clients to review economic outlook and portfolio strategy.

. Researched and analyzed various industries and portfolios.

. Assisted portfolio managers in administrating portfolios;

analyzed portfolios for compliance with required

specifications.

. Provided customer service for Trust clients; supported

Trust investment activity.

. Assisted six traders with daily fixed income trading.

. Priced securities utilizing a matrix-pricing program.

. Monitored interest rate activity; provided fund yield and

cash flow updates to traders.

SYSTEMS BondEdge, Bloomberg, MS Office Products

EDUCATION PACE UNIVERSITY, NY, MBA, Finance, 6/2002, GPA 3.6

TEMPLE UNIVERSITY, PA Bachelor of Business, Finance &

Economics, 5/1995, GPA 3.5

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