Pranay Yesekar

💼Credit Analysis and Portfolio Management.

• Analyzed counterparty credit portfolios to assess credit quality across CIBCM clients.
• Conducted creditworthiness reviews using an internal rating approach, integrating both quantitative and qualitative parameters.
• Underwrite complex credit transactions, and manage ongoing credit relationships.
• Evaluated financial strength and provided recommendations for approval or decline.
• Reviewed critical documentation, including offering memoranda, prospectuses, and annual reports, to establish appropriate credit limits.

🌐Operational Credit Risk – Global Markets

• Supported end-to-end credit processing functions, including underwriting, re-rating, and intraday transaction assessments.
• Assigned and monitored credit facility limits for FX counterparties.
• Facilitated initial ratings setup via the internal Credit Approval and Rating System (CARS), analyzing account types and legal documentation to generate scorecards, and submit underwriting requests.
• Collaborated with risk management teams to obtain approvals for submitted credit limit

🗂️Credit Administration.

• Assisted in credit reviews and submission processes for diverse credit portfolios.
• Prepared documentation, financial spreads, and conducted credit assessments for pension funds, mutual funds, hedge funds, insurance firms, and not-for-profit organizations.
• Managed and monitored assets under management (AUM) to ensure compliance with portfolio limits and reporting standards.

📊Limit Management & Monitoring

• Reviewed and analyzed existing and proposed credit limits in line with evolving regulatory guidelines and industry standards.
• Tracked credit utilization and prepared risk reports and scorecards.
• Resolved limit breaches by proposing and establishing new credit limits.

🧾 Borrower Rating

• Assigned internal credit ratings to obligor's/counterparties based on comprehensive financial and operational analysis.
• Conducted annual rating reviews to ensure ongoing accuracy and relevance.

• Managed the credit limit database by setting, adjusting, and removing limits based on credit strength and usage ratio as a key person in the pre-risk credit team.
• Conducted thorough underwriting of loan and title documents to ensure compliance with regulations.
• Executed credit decisions for loan approvals, declines, or counteroffers per established guidelines.
• Maintained accurate credit database, verification, and backup in ERP system.
• Communicated with clients and third-party agents to resolve queries, enhancing customer satisfaction.
• Performed audits of level 1 reviewers to ensure adherence to quality standards.
• Streamlined operations to boost productivity and increase company profits.

• Developed and optimized records management strategies to align with client needs.
• Managed Nagpur Municipal Garbage Tracker System project from inception to completion.
• Crafted high-quality communications for internal and external stakeholders.