Raghavi Pulipati
Hyderabad
Summary
Senior Banking and Finance professional with over 8 years of experience in Real Estate and Commercial Underwriting. Expertise in Financial Reporting, Credit Risk Analysis, and Cash Flow Analysis, driving accurate evaluations of financial performance. Proven track record in audit preparation, compliance procedures, and financial statement presentation. Skilled in training and mentoring teams, enhancing operational efficiency and team performance.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Commercial Banking Portfolio Manager
Wells Fargo India
Hyderabad
06.2022 - Current
- Analyzing financial statements to assess client creditworthiness for annual reviews and renewals, and assigning appropriate credit ratings.
- Estimated financial trends for loan-related parties through detailed performance analysis.
- Submitted comprehensive credit underwriting memos and workbooks to loan approval teams, seeking necessary approvals.
- Monitored adherence to Wells Fargo policies, ensuring compliance throughout the evaluation process.
- Researched market conditions via third-party applications to compare borrower performance with industry benchmarks.
- Identified and proposed appropriate risk mitigants based on evaluations conducted.
- Handled urgent ad hoc requests, ensuring timely responses and resolutions.
- Provided training support through buddyship initiatives, reviewing processes and providing feedback.
Senior Credit Analyst | Underwriting
Berkadia Services India Private Limited
Hyderabad
02.2019 - 05.2022
- Responsible for processing the Commercial - Multifamily loans by supporting the Underwriter and team through all stages of the loan due diligence, underwriting process, closing and delivery of the loan.
- One of the main tasks included is determining the risk factors related to loan transactions.
- Prepare underwriting template/workbook based on historical financial statements, projections, and market standards to determine a projected income, value, and loan amount.
- Perform Borrower and Sponsor’s credit risk assessment through financials statements, credit reports, schedules of assets owned and third-party background searches.
- Sourcing the information from credit investigations, crime reports and market reports and review of market reports to understand prevailing demand-supply, rents, and vacancy rates.
- Researching on property taxes to verify payment, outstanding taxes, exemptions and appeals related to the subject property.
- Reviewing and analyzing third party reports for valuation, performance and compliance.
- Preparation of detailed credit memo ensuring that the complete scenario of the loan transaction involving the property description, location summary, market details, cash flow notes and the borrower's summary is laid out in a comprehensive, insightful, and easy to follow way highlighting every risk and mitigants and preparing presentations for loan committee and management.
- Read and analyze all deal related documentation, due diligence, third party reports, throughout the underwriting process and work with the Underwriter to identify and manage / resolve the inconsistencies within the reports and / or provide solutions.
- Proactively manage third party vendors to make changes in the reports recommended by the Underwriter.
- To ensure that all the closing requirements are prepared, and report to the Closer.
- Managing and Training new hires. Also to coordinate & perform quality check of loan underwriting tasks performed by them and ensure timely and accurate delivery of work product.
- Guarantee that job aids are documented and updated on a continuous basis.
- Attending calls with the Underwriters to discuss volumes, current status, due diligence list. Understand key performance indicators and continuously work to exceed expectations.
- Testing/scrutinizing new Microsoft Excel models to perform underwriting and provided suggestions and make changes according to the current needs.
- Preparation of weekly pipeline report and present it to the loan committee.
Associate 2 | Contractual
State Street Corporate Services Mumbai Private Limited
Hyderabad
07.2018 - 02.2019
- Handle Third party trades related to UK market.
- Reconciliation of custodian books with the borrowers and the clients.
- Coordinate with the middle offices, borrowers and clients.
- Monitor the trade queues till they reach to market.
- Check on previous day’s trades which are in short, struck in the queues and enquiring on the failing trades.
Senior Analyst | Sr. Process Associate
Accenture Solutions Private Limited
Chennai
11.2016 - 11.2017
- Credit risk analysis for the commercial borrowings.
- Examine borrower’s history and their credit worthiness.
- Evaluate and understand the financial statements and their trends and then spread the information into the application.
- Calculation of debt coverage, liquidity and leverage ratios and compare the same with the standard ratios setup.
- Review of Credit Bureau Reports for the relationship.
- Verify the repayment source including collateral management analysis and their alignment with the standards.
- Study of industry analysis and compare with borrower’s ratios and figures.
- Perform risk analysis using the Risk Rating tool in order to derive accurate rating for the borrower.
- Recommendation to the portfolio managers regarding the strengths and weakness of the borrower for the loans renewals/reviews.
Article Assistant
D. Siva Nageswara Rao & Co., Chartered Accountants
Hyderabad
08.2013 - 08.2016
- Company Overview: CA firm with 500+ individual clients, 100+ firms and 30+ companies |Principal - C.A Ranga Rao
- During Articleship, I have undertaken various assignments which includes: Management of wide spectrum of Finance & Accounts.
- Administered Statutory, Tax and Internal Audits in various fields like construction, software, banking, insurance, rice industries, firms and LLP’s.
- Registrations and compliance works with various Statutory Departments.
- Calculation and filing of various Direct and Indirect Tax Returns.
- Incorporation of companies, filing and compliance of ROC related works.
- Maintenance of Financial Statements for corporate and non-corporate entities.
- Preparation of necessary forms and represent before Statutory Authorities as Consultant on behalf of the Firm.
- Outlined and presented analytical and valuation reports to the clients with the help of seniors CAs.
- CA firm with 500+ individual clients, 100+ firms and 30+ companies |Principal - C.A Ranga Rao
Education
B.Com -
Pragnya Degree College
Hyderabad03.2014
Intermediate - MEC
Holy Cross College
Hyderabad03.2011
SSC -
St. Arnold's High School
Hyderabad03.2009
Skills
- Risk and compliance analysis
- Property valuation
- Financial reporting
- Credit memo preparation
- Market research and competitor analysis
- Business forecasting and growth projections
- Financial model validation
- Asset underwriting
- Loan compliance monitoring and documentation
- Team training and management
- Client applications support
- Microsoft Office proficiency
- Internet savvy
Certification
- Multifamily Underwriting, Mortgage Bankers Association
- CA-IPCC, ICAI Institute, 05/01/15
- CA-CPT, ICAI Institute, 06/01/11
Awards Recognition
- Received awards, rewards, and recognitions for excellent performance
- Acknowledged and appreciated by onshore teams for analysis, pointing out critical issues, and completing tasks on quick turnaround times
- Received appreciations and recognitions from management for taking initiatives and providing updates to the team
- Received certificates and medals for securing first place in academics during my undergraduate studies from college and VYSPRO organization
- Awarded the HCC Endowment and Padmanabiah Memorial Prize for securing higher marks
Activities
- Fun Committee and Fun Refresher member and conduct many fun / stress relief activities for the whole team.
- Certified Sanghamitra member and active participant of the community and women empowerment programs conducted by SHE teams - Hyderabad Police Department.
- Active participation in the cultural programs.
- PPA member and volunteered programs.
Timeline
Commercial Banking Portfolio Manager
Wells Fargo India
06.2022 - Current
Senior Credit Analyst | Underwriting
Berkadia Services India Private Limited
02.2019 - 05.2022
Associate 2 | Contractual
State Street Corporate Services Mumbai Private Limited
07.2018 - 02.2019
Senior Analyst | Sr. Process Associate
Accenture Solutions Private Limited
11.2016 - 11.2017
Article Assistant
D. Siva Nageswara Rao & Co., Chartered Accountants
08.2013 - 08.2016
B.Com -
Pragnya Degree College
Intermediate - MEC
Holy Cross College
SSC -
St. Arnold's High School