Summary
Overview
Work History
Education
Skills
Certification
Languages
Hobbies and Interests
Timeline

Rohit Kumar Dada

Bangalore,karnataka

Summary

Insightful and driven credit analyst with a strong background in financial information analysis and excellent knowledge of loan underwriting. Experienced in both independent work and collaborative team environments, possessing extraordinary analytical skills and attention to accuracy. Proven ability to handle multiple projects simultaneously in high-pressure environments, adept at delivering results efficiently and effectively.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Portfolio Management Associate Structured Product Group (SPG) - CIB

Wells Fargo
04.2023 - Current
  • Managed Portfolio of 6-7 large corporates with portfolio size between $250MM to $800MM.
  • Preparing credit analysis reports by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, credit rationale, industry outlook).
  • Handling SPV Portfolios as an account manager for smooth end to end execution of deliverables and Analyzing legal docs for changes and implement them in the portfolio templates for presentation.
  • Work with Deal team ( US / EMEA segment) on investment management and monthly and quarterly surveillance for the mapped portfolio.
  • Work with Excel models pertaining to financial analysis and dashboard management for the mapped portfolio cooperates and continuously updating them on QoQ basis as per amendments.
  • Work with deal team with any ad-hoc request pertaining to credit analysis, annual memo, renewal memo and amendment memo.
  • Conduct Financial Analysis (P&L, Balance Sheet and Cash Flow) of the companies operating in various sectors pertaining to SPV like Auto, Containers, Equipment, Telecommunication and media industry.

Business Process Lead - Credit Analysis

TCS- TATA CONSULTANCY SERVICES Ltd
04.2021 - 04.2023
  • Perform Core Mortgage underwriting for wholesale loans B2B for an US Bank of all 4Cs (Credit , Capacity, Collateral and Capital)
  • Perform u/w compliance review on MBS loans portfolios to ensure compliance with risk assessment standard and underwriting guidelines (Fannie Mae/ Freddie Mac)
  • Work with Risk Support team to ensure a seamless and timely delivery of credit to the client, while maintaining a strict regulatory and control environment and Experience over working with credit ratio like loan to value(LTV), Debt to income (DTI) , DSCR, HELTV.
  • Detailed review pertaining to the structuring of loan and detailed due diligence of legal documents like Loan application, purchase agreement, repayment schedule, appraisal reports.
  • Collaborated with stakeholders to define project scope, goals, and deliverables, ensuring alignment with business objectives.
  • Work collectively with front end RM's pertaining to seamless and timely delivery of credit.
  • Conducted regular process audits to identify areas for improvement and monitor compliance with established standards.

Senior Associate Operations - Credit Review

WNS GLOBAL SERVICES Ltd
01.2020 - 03.2021
    • Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation & understand the business
    • SWOT analysis, providing a near-term outlook and credit recommendation
    • Responsible for evaluating the financial performance of corporate clients by spreading financial statements in standard templates in Moody's credit lens.
    • Work closely on the calculation of debt schedule for the Monthly debt burden on the borrower
    • Working closely with Deal team Analysts and Credit Officers in respective regions to evaluate risk and to monitor a client portfolios.
    • Perform the financial analysis on the basis of the finalized spreads and prepare an detailed financial analysis report as per the bank internal guidelines.

Executive Trainee - Retail Branch Banking

HDFC BANK Ltd.-INDIA
06.2019 - 09.2019
    • Working as a Management trainee for the retail Branch Banking division of HDFC Bank.
    • Portfolio Management for 200+ customers, ensure to regularly interact with them and assist them for there banking needs.
    • Assist Branch Operation manager in daily banking operations and in cash operation as a backup.
    • Work with various channels of branch to understand the working of various departments.
    • Assist in audit related activities.
    • Provided exceptional customer service by addressing client inquiries promptly.
    • Conducted comprehensive market research to identify new business opportunities and drive growth.

Education

MBA - Finance

Universal Business School (UBS), Karjat, Mumbai, India
05.2019

Affiliated to (AICTE) & Cardiff Metropolitan University, UK

Bachelor of Commerce - Regular

Rajasthan University, Jaipur
06.2015

Studied at S.S Jain Subodh Commerce and Arts College

High School Diploma -

Birla School Pilani, Pilani, Rajasthan
07.2012

Skills

    • Financial Statement Analysis
    • Credit Analysis & Credit underwriting
    • Ratio Analysis
    • Financial Report Writing
    • Risk Assessment
      • Adaptability and Flexibility
      • Problem-solving aptitude
      • Time management abilities
      • Attention to Detail

Certification

  • Financial Statement Analysis - CFI.
  • The Microsoft Excel Course: Udemy.
  • Financial Analysis for Management Consultants & Analysts Udemy.
  • Intro to Commercial Credit Analysis, Credit Risk and Lending Udemy.

Languages

English
Hindi

Hobbies and Interests

  • Traveling
  • Music
  • Cooking
  • Planting

Timeline

Portfolio Management Associate Structured Product Group (SPG) - CIB - Wells Fargo
04.2023 - Current
Business Process Lead - Credit Analysis - TCS- TATA CONSULTANCY SERVICES Ltd
04.2021 - 04.2023
Senior Associate Operations - Credit Review - WNS GLOBAL SERVICES Ltd
01.2020 - 03.2021
Executive Trainee - Retail Branch Banking - HDFC BANK Ltd.-INDIA
06.2019 - 09.2019
Universal Business School (UBS), Karjat - MBA, Finance
Rajasthan University - Bachelor of Commerce, Regular
Birla School Pilani - High School Diploma,

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