Veer Patta
Hyderabad
Summary
Organized and dependable professional successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Eager to contribute to team success through hard work, attention to detail. Motivated to learn, grow and excel .
Overview
8
8
years of professional experience
Work History
Credit Risk Associate
JPMorgan Chase
01.2022 - Current
- Reviewed complex credit transactions performed by peers to ensure compliance with established credit quality standards prior to routing for final approval.
- Trained and mentored new joiners and junior team members, fostering team capability and knowledge sharing.
- Takes initiative to reach out to stakeholders to address queries and delivers targeted training sessions to the team, promoting clarity and alignment on key processes.
- Acted as the primary point of contact for stakeholder calls in the absence of the manager, ensuring seamless communication and issue resolution.
- Led end-to-end training for the CTL UW team on the CTL PM loan review process and conducted detailed peer quality checks, providing constructive feedback to enhance review accuracy.
- Recognized as the Subject Matter Expert (SME) by stakeholders and consistently approached as the go-to person for all CTL PM loan review-related queries.
- Created impactful presentations outlining updates to credit guidelines and procedures, enabling the team to conduct higher-quality credit reviews.
- Contributed to the successful transition of the CREAM system, identifying key issues during migration and providing practical solutions.
- Collaborated with the SMART application tech team to identify and resolve data-related discrepancies that affected FBI grading.
- Delivered a comprehensive multiple sessions to the tech team on redesigning the proforma tool, clearly explaining the complex structure used for forecasting income and expenses over the next 12 months.
- Supported the analytics team in understanding Debt Service Coverage (DSC) calculations across various loan scenarios, ensuring accuracy in analysis.
Credit Risk Analyst
JP MORGAN CHASE
02.2019 - 01.2022
- As an Analyst here, I work on Interim Review and Annual Reviews of Real Estate Loans and analyzing how
their credit worthiness is impacting our portfolio.
• Independently prepare credit risk analysis reports on assigned clients (business; financial
analysis and focusing on credit issues). Recommend rating grades based on analysis for the
clients.
• Perform Real estate based financial analysis, identify risk, and interpret data for credit managers/
management's use in rendering sound credit decisions
• Understand various techniques and methods of credit analysis, accounting treatments, financial
adjustments, firm’s credit related policies, etc.
• Completes credit actions summarizing the financial analysis completed on a client’s portfolio
including recommendations for future business
Associate Financial Analyst
WELLS FARGO INDIA PVT LTD
09.2017 - 02.2019
- Took end-to-end responsibility for client requests, including financial spreading in the MRA tool, analyzing financial statements, identifying trends, and providing financial commentaries on the causes and effects of those trends, in line with business requirements.
- Prepared projected financial statements based on the requirements of Relationship Managers.
- Completed pro forma adjustments using projected financial information, tailored to specific needs.
- Handled subjectivity in financial analysis, supporting conclusions with well-reasoned justifications.
- Validated compliance with financial covenants as outlined in client agreements.
Education
B.COM - Generals
Osmania University
Hyderabad, TG03.2017
Class XII -
Board of Intermediate Education
Hyderabad, TG03.2014
Class X -
SSC
Hyderabad, TG03.2012
Skills
- Real Estate, Rent roll,
- Operating statements,
- Collateral analysis,
- Rent roll and Lease analysis
- Credit Analysis
- Financial Statement Analysis
- Ratio Analysis
- Peer Analysis
- Financial Modeling
Languages
English
Hindi
Telugu
Current Position
Credit Risk Analyst, JP MORGAN CHASE, Bengaluru, 02/01/19
Additional Information
I am currently pursuing a course on Corporate Credit Risk Analysis from Eduzi, where I am learning to assess business risk, financial risk, and management risk. As part of the course, I conducted a case study on Kapstone Facility Management Services Ltd and Page Industries, which involved analyzing historical and current financials, as well as projecting future financial performance. Additionally, I provided commentary on key financial ratios and the cash flow statements, highlighting major insights and trends.
Timeline
Credit Risk Associate
JPMorgan Chase
01.2022 - Current
Credit Risk Analyst
JP MORGAN CHASE
02.2019 - 01.2022
Associate Financial Analyst
WELLS FARGO INDIA PVT LTD
09.2017 - 02.2019
Class XII -
Board of Intermediate Education
B.COM - Generals
Osmania University
Class X -
SSC
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