SRIHARI PRASAD SUGASANI

adwsc3@r.postjobfree.com,

little elm, Texas,

+1-425-***-****

SUMMARY

With my prior experience through financial services, portfolio management, mortgage, commercial real estate, and business management, I will bring a creative and diverse perspective to a great establishment. I carry a team first mentality and I am a fierce positive competitor that implements actions to drive profitability, quality control and handle complex situations from a strategic perspective

SKILLS

Strategy planning and execution

Team Management

Financial Analysis

Critical thinking and problem solving

Strong analytical skills

EXPERIENCE

Chief Risk Manager HIGH QUARTILE INC

03/2023 to Present

Evaluated company financial data and produced industry reports outlining metrics and results

Facilitated project report analysis of the term loan

Coordinated/analyzed funding requirements from banks

Senior Credit Analyst INDUSIND BANK LTD

01/2014 to 12/2022

In-depth analysis, investigation and decisioning on credit applications based on the company risk policy and 4 C’s of credit and then educate and communicate decisions to stake holders

Gathered client information, prepared financial spreading, cash flow projection modelling, industry analysis, peer comparison.

Reviewed and approved wholesale credit applications within assigned credit authority for large and complex loans within the Large Corporate, MME and Asset Based Lending space

Prepared reports with the credit information for use in decision-making

Timely updated financial spreading, regularly checked compliance on financial covenants and rating of clients

Familiarity of sales, commercial loan underwriting, processing and closing processes/LOS

Instituted accountability, track team progress and success, and present results to Senior Leadership and Assist in the collection of delinquent accounts, charged off loans, and loan workouts

Coached and mentor 50 team members and played a key role in their personal and professional development.

Collaborated on loan monitoring, credit reviews, due diligence, and risk management

Monitored credit evolution of 500 clients and alerted management immediately for any early warning signals

Ensured compliance with all Know Your Customer (“KYC”) regulations

Underwrites risk-Whole sale and Retail lines- Working capital, Term loans, construction loans, mortgage loans- Term loans, over draft loans, Real Estate, Letter of credit, bank guarantee, packing credit etc.

Credit Analyst ING VYSYA BANK LTD

04/2013 to 12/2013

Develop underwriting strategies for the assigned loan portfolio as evidenced from improved performance (reduced defaults, increased receivables and/or revenue) and achieving desired business objectives.

Develop dashboards to monitor and analyze portfolio and segment-level performance including performance of implemented strategies.

Develop and enhance the reporting structure for the assigned markets/products. This includes developing/modifying scoring datasets/warehouse and developing monitoring reports for use in performance tracking.

Work closely with internal groups to devise risk policies. Identify actionable insights, suggest recommendations, and influence the direction of the business.

Become familiar with assigned markets and products for use in developing/modifying fraud prevention strategies to meet business goals.

Risk Analyst ICICI BANK LTD

04/2011 to 02/2013

Perform all functions within scope of authority and expertise and in conformance with established Bank policies, strategies, and procedures.

Work directly with Commercial Lenders to prepare approval memos, renewal requests, and loan modifications.

Assist in the protection of asset quality of the commercial portfolio by preparing annual reviews on commercial relationships.

Maintain tickler systems within the Loan Origination platform

Assist in monitoring requests for and receipt of all borrowers’ financial statements.

Order, receive, track, and review appraisals and environmental reports.

Prepare a variety of reports on a scheduled and as-needed basis. Discuss reports and suggest additional information needed. Prepares credit history comments summarizing loans.

Perform all duties in accordance with prescribed regulatory compliance guidelines.

Risk Manager HDFC BANK LTD

10/2006 to 2/2011

Analyzes applications and supporting credit information to determine whether loans are an acceptable risk within accepted lending practices and current Bank Policies.

Performs credit investigations on borrowers and guarantors in support of due diligence such as credit reports and deposit verifications.

Knows and understands the bank’s risk rating policy and applies to all new and existing credit facilities.

Recommends migration of risk rating to credit administration.

Interprets appraisal and evaluation reports.

Interprets environmental site reports and maintains knowledge of the federal regulations for proper evaluation and compliance of real estate loans.

Executes timely completion of the delegated tasks including credit authorizations, extensions, spreading financial statements, covenant compliance, and updating WIP along with any other periodic duty that may be assigned.

Responsible for periodic site visits to inspect property.

Worked as Credit analyst with ICICI bank, UTI bank and MSSL from 2001 t0 2006

EDUCATION

MBA MANAGE 1999-2001

CERTIFICATION

Certified Scrum Master 2023

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