shiva prasad

Seasoned Credit Risk professional with over 15 years of expertise in underwriting and structuring largeticket developer finance proposals. Proven track record in Credit Appraisal, Financial Modelling, Stress Testing and risk governance for Real Estate Projects. Skilled in policy compliance, covenant monitoring and stakeholder engagement and driving portfolio growth while ensuring regulatory adherence.

Seasoned Credit Risk professional with over 15 years of expertise in underwriting and structuring largeticket developer finance proposals. Proven track record in Credit Appraisal, Financial Modelling, Stress Testing and risk governance for Real Estate Projects. Skilled in policy compliance, covenant monitoring and stakeholder engagement and driving portfolio growth while ensuring regulatory adherence.

In the current assignment as Credit Manager in Construction/Developer Finance, I have assessed more than 25 credit appraisals, made more than 100+ Disbursement memos and independently handling the accounts. In addition, all post sanction compliances, Documentation adherence to the company policies: Duties and Responsibilities: ➢ Led Underwriting for Real Estate Projects; analysed promoters, financial projections, and market trends. ➢ Designed loan structure, security packages and covenant framework. ➢ Prepare Credit Appraisal Memorandum (CAM) with detailed cash flow / financial models, stress tests, and risk & mitigations; ➢ Coordinate with legal, technical and risk due diligence for complex transactions; ➢ Oversee due diligence i.e., legal, technical, FCU and breau checks, evaluate valuation reports and approvals; ➢ Ensure policy compliance, deviations and present recommendations to credit committee; ➢ Monitor post-sanction covenants, DSRA and escrow operations.