Shivam Malik

• Underwrite and evaluated credit for commercial real estate loans across diverse asset classes, including Retail and Multifamily, ensuring risk compliance and portfolio quality.
• Managed PM-led portfolios as the primary point of contact for assigned regions and onshore teams, facilitating seamless communication and workflow.
• Prepared and reviewed credit approvals, renewals, extensions, and risk assessments utilizing Moody’s CreditLens, CCMS, LOCs, and SCCR frameworks to maintain credit integrity.
• Mentored and trained new hires, enforcing strict adherence to credit policies and underwriting quality standards to enhance team performance.
• Allocated capacity-driven tasks efficiently and supported ad hoc underwriting and portfolio analysis requests, improving operational productivity by an estimated 15%.
• Leveraged advanced tools including nCino, OmniSa, CashSuite, and Excel-based financial models to conduct detailed financial analysis and support informed credit decisions.

• Delivered strategic analytical support in underwriting and finalizing commercial real estate deals, encompassing acquisitions, refinancing, recapitalizations, and securitizations for varied client portfolios.
• Reviewed financial reports, budgets, rent rolls, third-party documents, lease agreements, property titles, zoning reports, insurance papers, credit reports, and other due diligence materials.
• Conducted covenants remediation analysis in accordance with borrower profiles, facilities, and loan agreements.
• Evaluated risk ratings, collateral, and the financial strength of borrowers and guarantors to support lending decisions.
• Engaged in regular communication with Portfolio Manager to evaluate financial status of cases.
• Ensured accuracy and consistency in the team’s ad-hoc assignments.
• Handled client calls and periodic communications.

• Reviewed and analyzed commercial and real estate projects' financial documents, budgets, regulations, litigation letters and covenants.
• Reviewed financial data, rent rolls, and property metrics to evaluate loan feasibility and risk during underwriting support.
• Trained analysts in market analysis, compliance, presentation and performance monitoring.
• Strengthened interactions with borrowers and stakeholders to promptly resolve issues and maintain smooth operations.
• Provided support to enhance workflows for title, mortgage, and insurance providers.

Served as a project management lead for the execution of the projects

• Conducted research based on transaction type, prioritizing review orders for optimized operational efficiency.
• Built and maintained courteous and effective working relationships
• Took ownership of projects by delivering quality output within timelines, while maintaining the integrity of the set guidelines.
• Created a Hiring Projection Sheet and provided training while reviewing the work of junior team members.
• Trained and mentored employees to maximize team performance.
• Counselled start-up company founders to perform daily operations and apply financial decisions and long-term growth strategy.
• Completed thorough property inspections adhering to Fannie Mae, Freddie Mac, and investor guidelines.

Achievements

• Reduced TAT of team to 5 days or lower with benchmark of 7 days.

• Acquired franchise sub- brokers for both corporate entities and individual entrepreneurs.
• Implemented comprehensive risk management strategies for partner clients, ensuring financial security and regulatory compliance in dynamic business environments.
• Maintained positive relations and successfully resolved issues for existing partners with a 100% success rate.
• Resolved customer queries and problems using effective communication and providing step-by-step solutions.