MANASH JYOTI GOGOI
Credit Risk Underwriter
Bangalore,Karnataka
Summary
Credit Risk Underwriter with a proven track record of assessing and mitigating credit risks across diverse industries. Skilled in credit analysis and risk management, adept at evaluating borrower profiles, analyzing creditworthiness, and recommending risk mitigation strategies. Strong analytical skills, regulatory compliance expertise, and a focus on optimizing credit decision processes for business growth and risk minimization.
Overview
7
7
years of professional experience
Work History
Senior Associate (Senior Commercial Banking Portfolio Manager)
Wells Fargo
02.2021 - Current
- Performing Renewal & Annual Review for various credit products ranging from Revolving Line of Credit, Owner Occupied Term Loan, Investor/ Commercial Real Estate Loan, Standby Letter of Credit, Operating exposures- ACH Credit, Debit, Commercial Cards etc. for Commercial & Industrial borrowers and Investor Real Estate Borrowers. This includes credit risk assessment, comprehensive financial analysis, covenant analysis, collateral analysis, Risk rating assignment on borrower & credit facility, assessment of facility usage, formulating strategies to manage credit risk coupled with providing key risks, mitigants and recommendation for credit decisioning. Additional responsibility includes but not limited to Interim credit request for new money, change in limits, change in collateral, portfolio monitoring activity for timely risk assessment based on latest financials for the assigned portfolio.
- Developed a comprehensive and automated dashboard tool for reporting pipeline progress, productivity metrics, and tracking the status of active deals using Power query, Macro and Excel formulas.
- Part of internal quality check team and conducting thorough reviews of team members' work with a focus on accuracy, clarity, and adherence to established standards to ensure the production of high-quality credit memorandums.
- Provide constructive feedback for improvement and foster open communication within the team to enhance overall document quality.
- Stakeholder management- Working closely with onshore stakeholders to discuss client requirements, finalizing risk rating and structure. Moreover, working cross functionally with spreading team, pre-underwriting team, booking team as well for successful completion of the reports and to get the approved facilities/ changes booked in the system of record.
- New Joiner Training Program Development and Execution- Successfully designed and implemented comprehensive training plan for new joiners The training has been executed four times in year 2024, benefiting four distinct batches of new joiners.
- Successfully piloted credit underwriting process at Wells India in middle market banking space resulting in the transfer of higher complexity deals to the India team from U.S.
- Independently transitioned a process from onshore, unofficially led a three-member team for the process for a period of six month
- Providing mentorship and training to new team members, assisting them in swiftly adapting to their roles.
- Completed 70+ hours 'Credit comprehensive training led by Industry experts and Moody's Certified Trainer.
Senior Analyst (Underwriter)
JPMorgan Chase & Co.
09.2019 - 02.2021
- Preparing detailed credit memo for Annual Review and Renewal of floorplan facilities, ACH facilities, and real estate transactions.
- Risk grading to borrowers during Annual Review, Renewals and Interim Proposals.
- Jointly own and work with onshore senior underwriters on multiple portfolio management activities for assigned portfolio which includes inventory audits, overline, past due tracking, escalation and reporting of underperforming borrowers, periodic covenant testing etc.
- Use multiple tools to identify and escalate any early warning indicators.
- Performed audits of subsidiaries to protect shareholders and potential investors from fraudulent or unrepresentative financial claims.
Analyst
Northern Trust
01.2018 - 10.2019
- Review individuals/entities' financials/ annual reports and other supporting financial data to accurately prepare spreads in Moody’s Risk Analyst (MRA) tool.
- Analyze individuals/entities' Financials/Annual reports, quarterly statements and other supporting financial data to determine their financial position and identify potential risk factors.
- Working closely with onshore relationship managers, credit officers, underwriters to evaluate risk.
Education
Post Graduate Diploma in Management - Finance & Marketing
SDM Institute For Management Development
Mysore, Karnataka03.2018
Bachelor of Science -
Sibsagar College (Dibrugarh University)
Sibsagar, Assam07.2015
Skills
- Credit Risk Analysis
- Financial Statement Analysis
- Ratio Analysis
- Risk Rating
- Credit Report writing
- Collateral Evaluation
- Advance MS Excel
- Power BI
Languages
English
Advanced (C1)
Hindi
Upper intermediate (B2)
Assamese
Bilingual or Proficient (C2)
Timeline
Senior Associate (Senior Commercial Banking Portfolio Manager)
Wells Fargo
02.2021 - Current
Senior Analyst (Underwriter)
JPMorgan Chase & Co.
09.2019 - 02.2021
Analyst
Northern Trust
01.2018 - 10.2019
Post Graduate Diploma in Management - Finance & Marketing
SDM Institute For Management Development
Bachelor of Science -
Sibsagar College (Dibrugarh University)
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