Rajat Mehrotra

RAJAT MEHROTRA Toronto, ON |- |-| linkedin.com/in/rajat-mehrotra-3b03b017 CAREER SUMMARY Experienced credit risk associate offering 7 years of expertise in end to end credit risk underwriting process of leveraged clients. Recognized as an outstanding performer in a team of 24 global analysts for delivering high quality credit reports, timely execution of confidential transactions (M&A financing, Loan restructuring, derivative hedges etc), coaching new staff and effective relationship management and client service. Also contributed towards system streamlining projects. Pursuing CFA – USA, L3. KEY COMPETENCIES        Transferable skills – Excellent written and verbal communication skills, strong analytical skills, solid interpersonal skills, ability to co-ordinate and prioritise multiple requests, efficient time manager, ability to work in high pressure environment, high degree of flexibility, keenness to learn, strong commitment to accuracy, customer focus and results focus Portfolio ownership experience – Independently managed large Power & Utilities and Oil & Gas accounts Credit due diligence specialisation – Knowledge of accounting principles, financial statements analysis, complex financial modelling, enterprise valuation, key risks and mitigation strategy, reviewing industry outlook, environmental impact assessment (including focus on climate change), credit structures Knowledge of commercial products – capital market origination, derivatives, cash management Proactive relationship management – client, coverage, portfolio, syndicate, legal teams Data presentation and analysis skills – MS Office applications (Excel, PowerPoint, Word), Tableau, SQL, S&P, Moody’s, Capital IQ, Bloomberg, FactSet, IntraLink, Lotus notes etc Experience in documentation - Loan agreements and ISDA negotiation WORK EXPERIENCE Credit Risk Associate – Barclays Investment Bank (Jun’ 17 – Jan’20) Industry Coverage: Power & Utilities and Oil & Gas (Canada, United States and Western Europe)       Managed a portfolio of 28 Trans-Atlantic banking clients with total exposure of +$9Bn Prepared recommendation memos for periodic credit reviews and transaction approvals within the framework of the Bank’s policies and compliance with all applicable laws, rules and regulations Reviewed and approval commercial banking credit memos within sanction authority Ensured accuracy of credit systems including facilities, security arrangements and Customer Risk Ratings Monitored client’s ongoing performance and presented real-time notable developments to stakeholders Developed various streamlining projects; independently developed an automated spreadsheet to populate historical data for financial analysis purpose which made the process 35% more efficient Assistant Manager, Risk Unit - Citi Bank (Jan’16 – May’17) Industry Coverage: Technology, Media and Telecom (West Europe)   Managed client relationships on a loan portfolio in excess of +$5bn Established and monitored new/existing credit lines for customers by performing deep dive financial statement analysis and preparing cash flow forecasting models to determine debt repayment capacity Senior Credit Risk Analyst – HSBC (Jun’13 – Jan’16) Industry Coverage: Technology, Media and Telecommunications (United States)  Conducted detailed credit analysis of corporations to assess their financial condition and provided risk management support to senior credit sanctioners and management for loan approvals EDUCATION  CFA – Finance (Level 3) – Finance, capital market, portfolio management Chartered Financial Analyst Institute (USA) (2020)  Chartered Accountant (equivalent of CPA Canada) – Finance, accounting, economics, taxation The Institute of Chartered Accountants of India (India) (2013)  Bachelor of Commerce, Honours – Finance, business accounting and economics St. Xavier's College, Kolkata (India) (2011)