Seasoned credit professional with 6+ years of experience in credit underwriting, portfolio management, credit risk, financial modeling, ratings, project finance, corporate credit, financial statements analysis, and structuring

Master of Science in Financial Risk Management

University of Connecticut

Symbiosis Institute of Business Management, Pune

Symbiosis Centre of Management Studies

● Spearheaded comprehensive credit underwriting for diverse loans and project financing across Nepal by assessing financial health, repayment capacity, and risk profiles.
● Led clients’ periodic credit review process including meeting with senior management, evaluating potential financing structures, and suggesting credit decisions in existing/new accounts.
● Acted as lead for executing project finance deals of ~$7 million for the greenfield project of beverage plant and ~ $4 million for the hotel expansion project.

Senior Officer, Credit Risk and Control

● Contributed to my family-owned business by proactively managing resource allocation, financial planning, and operational adjustments during the pandemic, navigating market uncertainties, and ensuring business continuity

Business Development Manager

● Supervised funded/non-funded credit portfolio of ~ $3 billion and rated corporate clients across various industries.
● Single handedly appraised $320 million debt funding proposal for a major US aluminum company's LBO acquisition.
● Collected financial, business/industry data and conducted risk analysis for non-funded silent risk participation of ~$100 million.
● Reviewed credit application to underwrite loans for refinancing, M&A, working capital, project finance, asset-based financing, and proprietary investment.
● Conducted periodic review of clients to identify emerging risks and material changes to clients’ financial positions to maintain asset quality.
● Analyzed counterparty financials and risk profiles, produced credit memos, vetted loan covenants and proactively monitored portfolio to ensure compliance and mitigate risk.
● Conducted due diligence, financial analysis, and spread financial statements to understand the company’s cash flows, impact of varying capital structures and its ability to service the debt, and to detect early warning signals.
● Prepared rating rationale of 100+ companies and tracked industry developments, incorporating insights into risk assessments and credit evaluations for presentation and negotiation to senior management.
● Led cross-functional collaboration with external rating agencies, relationship teams and clients to analyze industry/company trends, identify rating drivers, and finalize accurate internal credit ratings.
● Advised growth, hold, reduction, or exit strategies based on analysis, leading to reduction in risk exposure.
● Handled inquiries from auditors, legal, compliance, and regulatory bodies.
● Trained junior team members on credit policies as a mentor, enhancing team competency and understanding of key financial regulations.

Rajan Giri

#1 Video-Talent Marketplace

Ready to discover your perfect career?