Vijendra Kumar Yadav

Regulatory & Credit Review (APRA-Focused)

• Conducted detailed reviews of bankers’ credit submissions to ensure alignment with APRA Prudential Standards (APS 112, APS 113, APS 220) and internal credit risk policies.
• Identified gaps in credit risk assessments, financial analysis, and covenant structures, providing actionable feedback to improve compliance and credit quality.
• Performed independent validation of property valuations, cash flow models, security structures, and risk ratings for commercial real estate exposures.
• Ensured adherence to regulatory requirements around loan documentation, risk grading, impairment assessment, and ongoing monitoring expectations.

Commercial Real Estate Credit Assessment

• Assessed complex CRE transactions including office, retail, industrial, and development finance deals, ensuring accurate risk evaluation and deal structuring.
• Reviewed borrower financials, project feasibilities, sensitivity analysis, and market conditions to validate underwriting quality.
• Identified early warning indicators and recommended mitigation strategies to strengthen portfolio stability.

Quality Assurance & Portfolio Governance

• Led quality assurance reviews of credit papers to ensure accuracy, completeness, and consistency ahead of credit committee submissions.
• Monitored portfolio trends and contributed insights for risk reporting, credit audits, and regulatory review cycles.
• Enhanced documentation standards and strengthened controls to reduce operational and credit risk.

Team Leadership & India Team Coordination

• Oversaw and mentored an offshore India credit support team, ensuring high-quality and timely delivery of credit reviews and analysis.
• Developed process workflows, review checklists, and training frameworks to uplift team capability and ensure APRA-compliant output.
• Acted as the primary point of contact between onshore Relationship Managers, Credit Executives, and the offshore team, ensuring seamless communication and alignment on priorities.
• Implemented performance metrics, feedback loops, and quality control mechanisms to maintain consistent standards across teams.

Process Improvement & Efficiency

• Streamlined review procedures, reducing turnaround time while improving accuracy of credit assessments.
• Collaborated cross-functionally to refine templates, automate manual steps, and enhance data integrity across systems.
• Supported continuous improvement initiatives to strengthen compliance with APRA standards and internal audit recommendations.

• In-depth Knowledge of Mortgage operations - from originations to servicing (VA, FHA, USDA & FHLMC/FNMA).
• Researched and implemented best practices to improve audit results.
• Reviewing & approving documents related to Credit, Capacity &Collateral.
• Review minimum quota of loans per day accurately and according to the audit policies and procedures.
• Communicate with correspondent lenders to resolve loan level suspensions.
• Facilitate communication on related issues between Manager and the correspondent lender.
• Participate in regular team meetings regarding trends, training, and updates to policies and procedures.
• Process Transition: Helped in the process transition to the new system from the old one (adapting to new URLA).

• Worked with credit analysts and loan origination team to prepare settlement documentation packages.
• Reviewed loan applications and supporting documentation for completeness and compliance.
• Managed and resolved concerns, problems or issues to avoid closing delays.
• Liaised with auditors to complete annual audits and maintain compliance with local, state and federal requirements.
• Researched changes in laws to maintain adherence to financial regulations.
• Gathered banking transactions via statements, recorded activity in Excel format and reconciled balances.

• Consistently achieved all deadlines, including those requiring month-end reporting.
• Reviewed client documentation and contracts for discrepancies and mistakes.
• Approved or denied loan applications and explained reasoning behind decisions.
• Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
• Created and optimized automated testing tools for repetitive tasks.
• Compiled data on quality issues and vulnerabilities and reported findings with suggestions for improvement.