Senior Credit Analyst
Wells Fargo
Bangalore, Karnataka
06.2022 - Current
- Underwriting and quality review for C&I and IRE credit proposals from Middle Market clients,
ensuring compliance with institutional risk standards and policies. - Assessed borrower creditworthiness through the analysis of industry outlook, management
quality, financial performance, and repayment capacity. - Investment Real Estate/CRE – Detailed analysis of properties like retail, office, industrial and multi-family properties. Annual review/Renewal encompasses detailed analysis like operating statements/tax return, market analysis, guarantor analysis, covenant calculations, and BQR/CQR rating to the borrower. Mortgage ability analysis of the property in order to determine risk and repayment capacity. Detailed analysis of Rent Roll, lease rollover analysis and perform thorough study of appraisal which includes Sales Comparison Approach, DCF
Approach, Cost Comparison Approach, Direct Capitalization Method. - Commercial & Industrial Reviews: Annual review/Renewal encompasses detailed analysis on financial statement, guarantor analysis, industry outlook, covenant calculations, DSCR calculation, qualitative analysis and BQR/CQR rating to the borrower.
- Mentoring team of 6 portfolio managers, overseeing workflow distribution, training, and performance management. Also, regularly providing training to new joiners. Conducted QC/QA reviews and delivered training sessions to junior team members.
- Served as SPOC for policy updates and approver feedback, driving knowledge sharing and
best practices. - Piloted the credit underwriting process at Wells India, enabling the transfer of complex tasks from the U.S. to Indian operations.
- Streamlined operations through workflow trackers and pipeline management tools, enabling
efficient task allocation and timely stakeholder communication.