Swarnendu Pathak, Certified FRM

Experience

• 

  Centre for Monitoring Indian Economy

  Mar 2006 - Apr 2006

  Summer Trainee

  Updated “Prowess” database with the research findings on two Indian companies with related Industry research, company research, product details, pricing, market share, financials etc.

• 

  Vijaya Bank

  May 2007 - Jan 2012

  Asst. Manager, Credit

  Actively underwritten all types of credit proposals - both retail and corporate varying from INR 5 Mn to INR 2 Bn.Independently managed the loan portfolio of an entire mid-sized branch.Effectively undertaken the end-to-end underwriting of various large corporates and consortium loans that include due diligence checks, financial modelling, writing credit reports, attending consortium and client meetings, an inspection of the site including inventories, etc, and other pre-and post-sanction processes.Constantly interacted with the promoter/directors, and site/plant visits as a part of the continuation monitoring process.Actively monitored the entire loan portfolio besides calculating the risk-weighted assets regularly. Show less

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  Cholamandalam Investment & Finance Co. Ltd

  Feb 2012 - Jun 2014

  Manager Corporate Credit

  Actively engaged in the team for formulating and implementing detailed credit policy for financing to small and medium enterprises (SME) and large corporates, which streamlined the entire end-to-end credit approval process.Underwritten credit proposals of both medium and large corporates for credit committee approval. The process includes participation in business meetings with clients, conducting due diligence, financial statement analysis, industry analysis, writing exhaustive credit reports, issuance of sanction letters after approval, etc. Show less

• 

  Wells Fargo

  Jun 2014 - now

  Spearheaded credit underwriting of Financial Institutions (primarily banks) in emerging and developed Asian Economies (underwritten 60+ banks annually) using the CAMEL framework.Built and maintained detailed financial models comprising company financials, growth triggers, capital framework, asset quality, liquidity/funding including peer analysis, etc.Monitored sector-specific nuances, sector credit exposures, credit events, and internal risk ratings opining on their credit impact.Quarterly monitored banks / FIIs covering the earnings, asset quality, capital structure, and other significant developments.Closely worked with the business/relationship team to understand and assess any specific nuances in the credit quality of the counterparties and built them into the internal rating models.Liaised with the senior management and the audit teams to ensure the credit proposals were within the bank's internal credit guidelines and to confirm the appropriateness of the counterparties' risk rating, scorecard, and documentation, which has hitherto resulted in satisfactory audit comments.Officiated training and mentoring to junior and new team members and also to other cross-functional and cross-location teams.Onboarded 50+ candidates for various mid to senior-level positions for middle market banking portfolio.Coordinated fresh transition of CRE credit business. Show less

  • Vice President Commercial Banking

    Mar 2024 - now

  • Lead Secured Lending Underwritter

    Apr 2023 - Mar 2024

  • Lead Portfolio Manager

    Jun 2014 - Apr 2023