SUNIL R

Pre-underwriting:

• Handling 12 FT's, quality, performance, and sending emails and reports to onshore.
• Attend client and management calls to discuss project updates and action items.
  Reviewed early-stage deal files for completeness, accuracy, and compliance with underwriting criteria before handoff to full underwriting.
• Verify the borrower's application and financial information to assess their eligibility, whether to proceed with a full underwriting, or to reject the application.
• Review the credit history to assess the creditworthiness.
• Analyze the borrower's financial analysis, property assessment, such as the profit and loss statement, income documents, cash flow, LTV, and DTI, to assess the borrower's stability.

Project 2: Commercial Loan - Credit Analysis (April 2022 to April 2024).

• Conducted pre-underwriting reviews of commercial loan applications to evaluate creditworthiness and compliance to meet the guidelines.
• Analyze the financial information, history of transactions, verify the bankruptcy status, and create a detailed case study.
• Performed commercial credit analysis using a structured framework incorporating borrower character, cash flow capacity, capital structure, collateral evaluation, and market conditions.

Other duties:

• Assigned files to the team and sent the production report to the MIS team at the start of the shift.
• Drive one-on-one calls and bi-weekly sync-up calls with clients.

Project 1: Loan Syndicated Analyst - (Dec 2020 to March 2022).

• Managed shift payments among syndicate lenders during loan participation changes, ensuring a seamless transfer of payment obligations.
• Coordinated rollovers of syndicated loans and revolving credit facilities, extending loan maturities to maintain borrower liquidity, and optimize syndicate performance.
• Used Loan Management Systems (LMS) to automate shift payment adjustments and generate real-time rollover schedule reports.
• Prepare shift payment and rollover reports for the reconciliation team.