Nikhil Shanware

Credit Risk Analysis & Financial Assessment

• Conducted in-depth analysis of client financial trends, industry indicators, and cash-flow performance to support credit decisioning and risk rating recommendations.
• Performed detailed spreads of borrower financial statements, including income statements, balance sheets, and cash-flow statements, ensuring accurate data inputs for credit models.
• Prepared comprehensive financial and risk assessment reports for review by Underwriting Managers and senior credit officers.
• Identified early-warning signals and emerging credit risks through ongoing monitoring of client financials, market conditions, and behavioral indicators.

Risk Monitoring & Portfolio Management

• Managed credit exposure for new and existing borrowing relationships, ensuring ongoing compliance with established credit standards and risk appetite.
• Conducted periodic financial reviews and covenant tracking to assess borrower performance and detect potential breaches or deteriorations.
• Evaluated borrowing-base collateral structures and monitored monthly compliance submissions to validate accuracy and sufficiency of collateral values.
• Recognized and escalated credit concerns promptly, ensuring proactive mitigation and transparent communication with internal stakeholders.

Systems, Reporting & Credit Operations

• Created and maintained Customer Accounting Systems within the Credit Platform, ensuring all client data was accurate, updated, and audit-ready.
• Streamlined credit file documentation and ensured high-quality submissions for underwriting, renewals, and annual reviews.
• Assisted Underwriting Managers during on-site client visits by conducting financial discussions, validating operational practices, and assessing business risks firsthand.

Compliance, Controls & Governance

• Ensured full compliance with bank credit policies, internal controls, and regulatory expectations, consistently supporting strong audit outcomes.
• Demonstrated sound ethical judgment by adhering to all applicable laws, rules, and regulations in credit analysis and client management.
• Escalated and documented control issues with accuracy and transparency, safeguarding the firm’s reputation and protecting client, company, and shareholder interests.