Porush Shrivastava

• Demonstrated expertise in underwriting and assessing credit risk across a diverse portfolio of U.S.-based counterparties that included U.S. Corporate, U.S. Heavy equipment dealerships and the tax-exempt clients that cover local municipal, state, and other public finance entities.
• Credit work focused on financial statement evaluation, covenant compliance, industry risk trends, and obligor creditworthiness.
• Awarded CB Risk India ACE Award for leading along side manager in setting-up of a new 6 member GHHN credit risk team in Bangalore

Existing credit review:

• Monitored the performance of existing loans, lines of credit, and other debt instruments through financial analysis using quantitative and qualitative data.
• Analyzed historical credit trends to identify areas of risk exposure.
• Negotiated repayment and refinance plans with watchlist customers.
• Worked with subordinates on quality checks of their BAU.

New credit requests:

• Prepared preliminary credit analyses to determine creditworthiness and compliance.
• Reviewed customer financial data to ascertain the level of risk involved in extending credit.
• Performed thorough due diligence reviews prior to extending new lines of credit/Term loans or entering into agreements with third parties.
• Assessed loan applications according to established criteria, and provided recommendations on approval or denial.
• Worked on an internal Excel tool used for projections of the client's financials.

Ad-hoc responsibilities:

• Actively monitored industry developments relating to laws, regulations, and best practices.
• Provided feedback to stakeholders on changes in risk profiles due to changing market conditions, or regulatory requirements.
• Conducted periodic reviews of loan portfolios to identify any potential areas of concern or risk exposure.
• Reviewed internal processes related to credit risk management and recommended improvements where necessary.
• Worked on the creation of a one-stop solution in the form of a PowerPoint presentation for three U.S. States, highlighting credit regulatory requirements, credit information, and debt capacity for the U.S. States under public finance.