KOMAL SHRINIVAS RAJE

Credit Risk Analyst / Underwriter
Experience across US, EMEA, and APAC regions

• Underwrote intraday credit limits for counterparties across US, EMEA, and APAC markets, ensuring alignment with global credit risk frameworks.
• Re-rated and underwrote diverse portfolios, including Pension Funds, Mutual Funds, Hedge Funds, Not-for-Profit Organizations, Banks, and Insurance companies.
• Assessed lending credit limits by evaluating borrowers' financial strength, repayment capacity, and associated risk exposure.
• Conducted financial statement analysis to support credit limit reviews and risk assessments.
• Identified potential credit risks through trend analysis of industry-specific data and market movements.
• Implemented robust risk assessment strategies to mitigate exposure and reduce overall credit risk.
• Collaborated with the credit risk project team to ensure timely delivery of projects by leading weekly intraday log calls to review and improve incoming requests.
• Reviewed and verified borrower information, including income, credit reports, and employment history, to establish appropriate credit limits.
• Obtained and analyzed credit reports, credit references, insurance, and financial statements for new account onboarding.
• Partnered with cross-functional teams to align credit risk policies and procedures with business objectives.
• Led training sessions for junior analysts to enhance proficiency in credit risk evaluation and underwriting techniques.
• Attended industry training and conferences to remain current with evolving credit risk trends and regulatory developments.
• Played a key role in developing and refining credit policies, processes, and procedures to ensure regulatory compliance and operational efficiency.
• Enhanced risk analysis capabilities through continued improvement in financial statement interpretation and creditworthiness evaluation.
• Implementing automation solutions to streamline workflows, reduce manual effort, and enhance output quality.

Worked with leading issuers including Barclays, JP Morgan, Royal Bank of Canada, Credit Suisse, Morgan Stanley, UBS

• Verified newly issued bonds in the market, ensuring accuracy and compliance for a broad range of global issuers.
• Analyzed and set up ISINs based on pricing supplements, with a detailed understanding of issuer-specific exceptions.
• Interpreted various interest types and structures including Fixed, Fixed-to-Float, Index-Linked, Variable, FRN (Floating Rate Notes), and Flat Rates.
• Managed work allocations for both transaction processing and verification; handled key daily reports such as the issuance and FX reports.
• Collaborated with the DWAC (Deposit/Withdrawal at Custodian) team for efficient settlement and custody processes.
• Ensured strict adherence to Standard Operating Procedures (SOPs) while processing and verifying bond transactions.
• Contributed to team efficiency by generating actionable ideas during brainstorming sessions, resulting in improved operational workflows.
• Successfully managed multiple high-priority projects, balancing competing deadlines and allocating tasks based on team strengths and availability.
• Conducted regular process audits, identifying areas for improvement and driving continuous optimization of operational strategies.
• Developed and delivered customized performance and trend analysis reports for senior management.
• Trained new team members on SOPs, ensuring high standards of quality and consistency across operations.
• Acted as a subject matter expert, offering support and guidance to peers on complex bond structures and exceptions.
• Led process improvement initiatives, enhancing accuracy, efficiency, and resource management across departments.
• Devised innovative solutions to resolve complex processing challenges, reducing turnaround time and increasing data accuracy.
• Performed ongoing reviews of processing procedures to ensure alignment with industry best practices and evolving market standards.
• Minimized processing errors through thorough data analysis and quality assurance checks.

Focused on Stock Processing, QA, Markings, and Income Processing

• Supported stock processing activities including Markings, Quality Assurance, and Income Processing within the Common Depository (CSD) EMEA team.
• Sent pre-advices to bondholders regarding interest and redemption events, including early redemptions, ensuring accurate and timely communication.
• Executed Straight Through Processing (STP) daily, maintaining high efficiency and reducing manual interventions.
• Ensured compliance with SLAs by following established rules and procedures; resolved process-related queries promptly and professionally.
• Processed payments accurately and in a timely manner on internal applications, ensuring completion before scheduled payment dates.
• Managed daily work allocation, updated operational and query logs, generated EOD reports, and maintained mailbox query resolutions.
• Worked on both Monarch and BOT (automated) processing systems, including transaction verification and exception handling.
• Proactively identified and resolved operational issues that had the potential to impact business direction or service delivery.
• Led cross-functional collaboration to drive successful project completion within scope, timelines, and budget constraints.
• Applied strategic thinking, process optimization, and problem-solving skills to support and enhance operational workflows.
• Initiated and implemented a mentoring program to leverage team members’ strengths and address areas for development, improving team performance and cohesion.