If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

To view other CV's please click here.

00337874

An experienced Risk Management professional with strong understanding of UK Real Estate Market, having 13 years of experience in the banking and financial services industry. In addition to a detailed understanding of Credit Analysis, Financial Modelling and Risk Management, I have also undertaken due diligence projects. Skilled in managing the end-to-end credit life cycle of the lending portfolio and I have presented to the Credit Committee as well as supporting the business in putting in place the underwriting standards. Expertise in structuring and execution of Corporate Finance transactions.

KEY SKILLS:

• Quantitative and qualitative analysis
• Strong credit and financial analysis
• Risk analysis, strategy and framework
• Corporate finance, trade and project finance expertise
• Reporting and analytical skills
• Secured and unsecured lending specialist
• Technical Skills: Advanced MS-Excel, MS-Word, Power Point, Finacle
• Capital IQ, Bloomberg, Moody’s
• SAS, SQL

CAREER HISTORY:

April 2023 – present

Career Break with new family.

September 2021 – March 2023

Banking

Corporate & CRE Manager

• Underwriting of Corporate & CRE Credit proposals and ensuring successful execution of the transactions being pursued along with related client & introducer relationship management.
• Few Transaction highlights:

- Underwritten residential block of flats worth £5 million.

- Underwritten retail assets c£800k-£1200k in multiple deals.

- Underwritten mix- use property portfolio spread out in East London worth £40 Mn in a bilateral deal.

- Underwritten residential property portfolio situated in central London worth £45 Mn in a bilateral deal.

- Primary & Secondary Market participation for $399 Mn facility for one of the largest asset management companies in the world.

- Portfolio of care homes – UK’s 3rd largest care home portfolio (Value: £313 Mn, Debt: £166 Mn)

- Portfolio of Branded Hotel Assets in Central London (Value: £644 Mn, Debt: £485 Mn)

• Monitoring the Corporate portfolio and keep a track of secondary market prices along with other early warning signals.
• Reviewing LMA and loan disbursement documents which includes Facility Agreements, Personal Guarantees, Corporate Guarantees, Mortgage deeds and other relevant documents.
• Liaising with the Lead Arrangers (Facility arrangers), Solicitors and Valuers for structuring and deal completion.
• Analysing risk profile for facility exposure countries via Sovereign risk ratings (external ratings).
• Manage the assessment and processing of lending proposals from the business team, and presentation of proposals to Sanctioning Committee.
• Operational responsibility for the annual review process for all existing credit portfolio loans to ensure that all borrowing requirements and covenants are being adhered to.
• Ensure the credit decisions are made within regulatory standards and adhere to TCF principles and Customer First standards.
• Presentation to Risk Committee and other UK management committees for introduction and renewal of new / existing products

June 2019 – August 2021

Banking

Credit Analyst

• Assessment and recommendation on the borrowers (individual, SPV and the companies) for the credit exposure from Commercial Real Estate portfolio, Syndication, Buy to Let and Development loans.
• Structuring of new and existing investments including evaluation of different financing options and coordination with the business teams to achieve targeted risk-adjusted return on capital.
• Conduct in-depth analysis to assess the credit and financial strength of borrowers by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Underwriting assets-based financing into retail residential (Buy to Let) and Commercial real estate including review of transactions, participation in approval process, making recommendation of appetite and assignment of regulatory and internal ratings.
• Providing inputs for IFRS 9 reporting and running the same on the third party excel based model.
• Development and maintenance of Excel-based financial models to enable the forecasting of key credit metrics based on expectations for future earnings, cash flow and debt levels.
• Preparation of credit proposals, conducting due diligence, structuring risk appropriately and identifying key risks and mitigants for each transaction.
• Conduct annual reviews and end to end oversight and of credit facility accounts including waivers, amendments, identification & investigation of any early warning signals such as excesses, payment delays, covenant breaches, and making recommendations to the Head of Risk
• Credit Monitoring of the portfolio, watch list reporting and ad hoc reports for Board Risk Committee.
• Liaising regularly with surveyors, solicitors, business stakeholders to ensure compliance of loan covenants.
• Providing oversight of key risk to senior management and presentation to the Credit Committee.

Investment Banking

August 2014 - September 2018

Assistant Vice President - Corporate Finance

December 2011 - July 2014

Manager - Corporate Finance

This is an Investment Banking division of the India's leading financial services organization, one of the top 3 brokerage house and national level financial advisors in India.

• Responsible for managing and conducting due diligence engagements for private investors, mid and large sized corporate clients.
• Acted as a primary transaction officer responsible for structuring, credit processing, preparation, loan documentation and execution of transactions for a broad range of debt products and services.
• Provided financial structuring advisory to support the execution of transactions and negotiation of term sheets.
• Managed production and review of complex financial models for assessing the viability of transactions.
• Generated opportunities for new and existing clients through research, financial modelling and industry research.
• Led the delivery of the strategic financial solution of the projects, including preparing pitch book presentations, financing plans, cash flows, marketing materials and credit applications to address financing requirements of the borrowers, financing institutions or counterparties.
• Managed projects for Real Estate (Residential & Commercial), Infrastructure, Telecom, Pharmaceutical, Education, Consumer Goods.

July 2010 - June 2011

Financial Services

Senior Associate – Debt & Equity

An Investment Banking unit involved in Corporate Advisory, Debt Syndication, Private Equity, Leveraged Buyout, Merger & Acquisition, Hybrid & Structured Finance.

• Reviewed and prepared financial and valuation models, investor presentations, and pitch books for various products such as Private Equity Placements, Term Loan Syndication, and External Commercial Borrowing.
• Participated in new business development, origination, pitching and client meetings.
• Maintained active communication with clients, banks and investors to identify potential business opportunities and project execution.
• Worked on several debt funding projects and closed INR 2.5 billion deals within Infrastructure sector.

EDUCATION:

2023

FRM, Part 1 Exam

2023

CFA Institute, USA, Level II Candidate

July 2008 – February 2010: School

Master of Business Administration

October 2007 - January 2008: University

Certificate course in Capital Markets

August 2004 - August 2007: College / University

Bachelor of Science (Biotechnology)

ADDITIONAL INFORMATION AND MERITOCRACY:

• Avid volleyball player; acted as the captain of ITS paramedical College volleyball team
• Secured a position in the merit list of Nationwide Geography Olympiad

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

To view other CV's please click here.