FELIX SWAGGART
Krakow
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review.
Highly effective at optimizing credit policies based on market conditions.
Analytical professional with strong background in financial modeling and risk management.
Highly trained in reviewing financial statements and underwriting sanction note.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Processing Manager, Commercial Banking Portfolio Manager
Wells Fargo
12.2022 - 05.2023
- Liaison between Commercial Banker and Credit Administration facilitating modifications, renewals and extensions within designated relationships.
- Performed annual risk rating reviews for client relationships within the assigned loan portfolio. Annual credit facility reviews for audit accountability.
- Routine clearing of financial statements and document exceptions.
- Conducted covenant testing including confirmation of compliance sheets.
- Performed spread analysis of current customer base.
- Reviewed and conducted monitoring of excess cash flow recapture requirements.
- Prepared periodic presentations for Criticized and Watch designated Credits.
- Managed loan maturities within assigned loan portfolio
- Underwritten commercial Laon Modification request within assigned loan portfolio
- Attended client calls with Commercial Bankers in order to gain a thorough understanding of the client's business and effectively assist in ongoing maintenance of the relationship.
- We will provide constructive and regular feedback to Bankers to ensure sound relationship quality.
- Monitored credit performance of client portfolios and alert Bankers to changes that may require action to ensure risk mitigation and minimize potential losses.
Credit Manager
Karur Vysya Bank
05.2015 - 05.2022
- Credit Appraisal and Underwriting for Working Capital, Overdrafts, Project, and Term Loans and ensuring that the proposal falls within the Bank’s credit policy
- Detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks
- Analyzing Financials of Company and Individuals
- Studying all the required documents of the company and ensuring the capacity to avail loan and various other parameters are framed from the documents
- Gathering all possible information about the borrower through various medium and ensuring the credibility and authenticity of the data
- Preparing Financial Analysis sheets to understand the financial stability of the borrower through various ratios and key financial indicators
- Understanding the Projects and validating the projected returns through discounted cash flows and ensuring the viability of the projects
- Analyzing the intention, past track records, banking details ensure the conduct of the borrower
- Conducting Personal Discussions with the prospective borrowers and understanding their entire business model including clarifying the queries raised through the above analysis
- Determining the proper financial requirement, capacity to repay, project technical feasibility, marketability and finalizing the loan quantum, Rate of Interest and Tenure of loan
- Preparing Appraisal Note with complete analysis on the proposal and placing it to the sanctioning authority
- Stipulating conditions in sanction communication which are to be full filled by the customers and ensured by the branches/offices within the stipulated time.
Banking Manager
Karur Vysya Bank
06.2013 - 04.2015
- Day to day handling huge customer’s transactions, requests, complaints, data-base and emerging challenges in Banking
- Handling clients, understanding their needs, and suggesting a financial solution
- Highlighting any early warning stress signals
- Preparation of MIS reports and various reporting to Divisional office, Central Office, RBI, and other statutory bodies as and when required
- Conducting go-down visits for Cash Credit limits during regular intervals stipulated in the sanction order
- Single point of contact for all commercial customers including Current account and POS machine holders
- Cross selling of Demat accounts, POS machines and banc assurance products
- Maintaining good relationship with existing HNI customers, attending their requests/concerns on priority basis, cross selling of products, acquiring new leads and retention & growth of the customer
- Post Disbursement Follow up - Monitoring of the Credit facilities for irregular transactions, Arriving of Drawing power, ensuring the validity of the Insurance, property valuation report etc
- Initiating Recovery process and continuous follow up till the recover/closure of the account
- Stipulating conditions in sanction communication which are to be full filled by the customers and ensured by the branches/offices within the stipulated time.
Education
MBA - Operations
PSG Institute of Management
Bachelor of Engineering - Mechanical
Kamaraj College of Engineering & Technology
Skills
- Credit Analysis
- Credit Underwriting
- Balance sheet/financial statement analysis
- Team Management
- Workflow Coordination
- Excellent Team Leadership
Certification
- Certified Credit Professional issued by Indian Institute of Banking and Finance (IIBF)
- Certified Associate of the Indian Institute of Bankers (CAIIB) issued by Indian Institute of Banking and Finance (IIBF)
- Junior Associate of the Indian Institute of Bankers (JAIIB) issued by Indian Institute of Banking and Finance (IIBF)
Timeline
Processing Manager, Commercial Banking Portfolio Manager
Wells Fargo
12.2022 - 05.2023
Credit Manager
Karur Vysya Bank
05.2015 - 05.2022
Banking Manager
Karur Vysya Bank
06.2013 - 04.2015
MBA - Operations
PSG Institute of Management
Bachelor of Engineering - Mechanical
Kamaraj College of Engineering & Technology
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