Meha Bhat
Credit Risk Associate
Mumbai
Summary
Experienced professional with 5+ years of experience in Asset-based lending and credit risk management.
Risk management professional with strong analytical skills and strategic mindset. Adept in identifying, assessing, and mitigating risks to ensure organizational stability. Excels in team collaboration, adapting to dynamic environments, and delivering impactful results. Known for reliability, problem-solving abilities, and effective communication.
Overview
7
7
years of professional experience
2018
2018
years of post-secondary education
2
2
Certifications
3
3
Languages
Work History
Risk Associate - Securities Based Lending
Morgan Stanley
05.2024 - 04.2025
- Credit monitoring: Performing annual reviews for UHNW/HNW clients based across countries in addition to USA.
- Credit decisioning : Underwriting Liquidity access line (LAL) for HNW/UHNW clients.
- Review and Challenge: Ensuring no gaps/loops in identifying additional risk, stress testing along with effective communication with 1LOD.
- Training: Actively assisting and training new team members in ad hoc tasks.
- Projects: Diligently contributed in projects involving process enhancements and improvements.
- Stakeholder meeting: Daily interaction with US stakeholders and team members to ensure smooth flow of work meeting the expectations and delivering results.
- Risk Management: Proactive collateral assessment and emphasizing risk to senior management.
- Dual team resource: Efficiently accomplished work for both residential mortgage as well as securities based lending for a period of 7 months.
Risk Associate - Residential Mortgages
Morgan Stanley
05.2020 - 05.2024
- Credit Quality control - Performed quality check for end to end residential mortgage loans tp ensure underwriting and operations is in compliance with guidelines/policies for residential mortgages (UHWN/HNW clients).
- Collateral valuation: Generated daily valuation for residential properties across US.
- Reporting: Created report from scratch as per stakeholders requirements to daily monitor TAT of new vendors.
- Ad hoc projects: Single handedly managed ad hoc projects (Condo Co-op review, Texas 50(a)(6) review, HELOC review) and identified potential risk which saved substantial amount of capital for the firm.
- Training: Successfully trained 5 team members on Credit QC, Collateral valuation and ad hoc task.
- Stakeholder management: Effectively communicated with US based stakeholders to timely resolve any queries.
Credit Underwriter- Loan Against Properties
IDFC First Bank
07.2018 - 08.2019
- Credit underwriting and processing of cases for Indian clients (STLAP).
- On-site Personal discussion with clients.
- Vendor management and billing.
- Delinquency management and reducing outstanding debtors.
Education
PGDM - Finance
N.L.Dalmia Institute of Management Studies & Research
Graduation - BMS
Thakur College of Science and Commerce
Skills
- Risk evaluation and management
- Proficient in MS Word
- Data analysis with Excel
- Attention to detail
- Detail-oriented
- Prioritization and scheduling
- Financial Analysis
- Analytical skills
- Credit evaluation
- Understanding of US mortgage loans
- SQL
- Microsoft Excel proficiency
Certification
Quarterly Firm Risk Management Award, Received for proactively identifying and escalating risk leading to saving huge capital of the firm in Texas 50(a)(6) project under the category 'Doing the right thing' and abiding by the core value of the company.
Extra Curriculars
- Dancing
- Badminton
- Travel
- Participated and Organized events for team bonding at MS.
Timeline
Risk Associate - Securities Based Lending
Morgan Stanley
05.2024 - 04.2025
Risk Associate - Residential Mortgages
Morgan Stanley
05.2020 - 05.2024
Credit Underwriter- Loan Against Properties
IDFC First Bank
07.2018 - 08.2019
Graduation - BMS
Thakur College of Science and Commerce
PGDM - Finance
N.L.Dalmia Institute of Management Studies & Research
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