Awadul Haque
Dartford
Summary
Result Driven Transaction Manager with extensive experience across Asset-Backed Securitisation (ABS), and warehouse facilities and Vertical risk retention, specialising in deal execution, amendments, lifecycle management and risk and control governance. Demonstrated ability to independently manage complex transactions across origination, credit, legal and operations with sound knowledge of Investor reporting, loan servicing, collateral, cash flows, and regulatory control.
Overview
14
14
years of professional experience
Work History
AVP-Transaction Manager
Citibank
London
01.2023 - Current
- Act as primary Transaction Manager for live ABS and warehouse securitization transactions, managing the end-to-end lifecycle from origination through post-closing
- Lead execution of facility amendments (upsize, partial repayment, re-pricings, tenor extensions and legal language change), ensuring alignment between Credit Approval, legal documentation and system booking.
- Prepare and validate Availment Tickets for rollovers, drawdowns and repayments using investor reports, drawdown notices and fund flow recon
- Coordinate closely with legal counsel, Operations, underwriting and risk to ensure accurate and timely execution
- Review and challenge Credit Memos/WCAs/CAMs, ensuring key economic, eligibility and covenant terms are correctly reflected in transaction documents
- Perform detailed Credit Memo vs legal documentation reconciliations, identifying discrepancies prior to close and post execution
- Review Monthly Investor Reports, validating loan balance, principal and interest repayments, fee calculations and margin and reference rate consistency
- Validate Priority of Payments (waterfalls) and confirm the correct application of interest and principal
- Act as an escalation point for payment discrepancies, coordinating resolution across the cash manager and the loan ops team
- Manage transaction setup and amendments across Lynx, CRMS, Citirisk and Origination Central
- Perform Collateral updates and scorecard rating in Citirisk Collateral
- Ensure completion of the CCP checklist, conditions precedents submission and submission for quality checks
- Act as a trusted point of contact for borrowers, cash manager and internal stakeholders
- Successfully executed and managed multiple ABS amendments and rollovers with zero booking and settlement breaks
- Recognized as a go-to Transaction Manager for complex and time-critical closings
- Reduced post-closing issues through enhanced pre-close reconciliations and control enhancements
- Trained new joiners on the internal process, system and servicing
Lead Analyst
CRISIL Ltd
09.2018 - 01.2023
- Preparing credit reports for commercial banks, regional banks and Raiffeisen banks, review of both financial and sector developments for one of the largest Swiss Investment Bank
- Working closely with the credit risk office assists them in limits settings and management.
- Supporting onshore credit officers and the regional FI risk team in developing a Portfolio view of FI/ Bank risk being run by the client.
- Preparing portfolio analysis in close coordination with the risk director and credit officer.
- Preparing comprehensive credit notes covering analysis of:
Credit Analyst
Barclays Shared Services India Private Limited
11.2015 - 02.2017
- Credit risk assessment of client banks/financial institutions.
- Preparing concise but comprehensive credit notes covering analysis of:
- − Quantitative factors such as asset quality, capitalization, liquidity, funding profile, portfolio concentrations, earnings quality, etc.
- − Qualitative factors such as management quality, business profile/strategy, and macroeconomic & regulatory environment, and
- − Barclays’ exposure to the counterparties including risk drivers, key documentation terms/ mitigants, exposure/ limit parameters etc.
- Analysis of credit quality banks, review of both financial and sector developments
- Approval of daily trading requests for products including Derivatives, Repo, MBS, Forwards, FX and Futures
- Closely monitoring developments related to regulatory, industry, counterparty as well as market indicators such as external ratings, share price and escalating problems and risk issues to onshore credit officers in a timely manner.
- Supporting onshore credit officers and the regional FI risk team in developing a Portfolio view of FI/ Bank risk being run by Barclays.
- Rigorous and continuous monitoring of exposure against risk limits
Credit Analyst
Swiss Reinsurance Shared Services (India) Private Limited
04.2015 - 11.2015
- Expertise in Emerging Market banks (financial institutions) credit analysis for a specialized line of trade finance business such as DTF (Documentary Trade Finance), Sight LC and other types of letters of credit
- Credit Portfolio Analytics and Monitoring of the Swiss Re's exposure by bucket, business line, industry and country
- Credit analysis of financial institutions across the globe for various credit underwriting products.
- Transaction Review: Work with senior credit officers to review structured transactions as they arise. Present Credit risks recommendation within Risk and to committees.
- On-going Monitoring & Surveillance of assigned industry/portfolio, including rating changes, financial/industry development, news events etc.
- Determining internal ratings for Swiss Re’s clients.
Analyst Credit Ratings
ICRA Limited – An Associate of Moody’s Investors Service
02.2012 - 04.2015
- Assesses credit quality of companies by performing fundamental analysis including due diligence, industry analysis, business (operational) analysis, and financial analysis based on direct access to company’s senior management, private information shared by the company and publically available data under the preview of Basel-II guidelines
- Analyzing financial statements and carrying out ratio analysis for assessing the credit worthiness of the company
- Conduct analytical reviews with management teams of rated issuers and make presentations to rating committees, including rating recommendations
- Authors media releases (Rating Rationale that cogently captures the rationale behind the ratings) for all the outstanding ratings in the portfolio and ensure timely reviews/rating actions
- Interacting with bankers and auditors of the companies to follow up on the financial status of the companies
- Projecting the financial standing of the company on the basis of analysis of Balance Sheet, Profit & Loss Account and cash flow statements
- On-going monitoring and surveillance of assigned company/portfolio, including rating changes (upgrade/downgrade) based on financial/industry development, news events etc
- Awarded the “Best Analyst” for two successive quarters for writing maximum numbers of quality reports and helping to achieve team’s overall targets
Education
PGPBM/ M.B.A - FINANCE & SYSTEMS
Center for Management Research - KBS
01-2010
B.COM -
Bidhan Chandra College
01-2007
Internship
ARC Financial Services, Research Analyst (Intern), 2009-04-01, 2009-06-30, Prepared Pitch Books for companies., Performed economic and financial analysis of various companies and industries., Analyzed economic and business cycles, industry value chain, market size, market segments, market shares, market drivers, market trends., Published ARC Financial Reports on Indian IPO Market, Mergers & Acquisitions, and Private Equity Investments.
Core Expertise
- Asset-Based Securitization (ABS) and Warehouse Facilities
- Transaction Management & Closing Execution
- Amendment (Upsize, Downsize, Pricing, Tenor and Legal Language)
- Availments Tickets & Cashflow Validations
- Investor Reports & Payment Waterfalls
- Credit Memos/WCA/CAN Reviews
- Risk, Control and Audit Readiness
- System: Lynx/CRMS/Citirisk/Origination Controls/Helios
Hobbies and Interests
- Playing and watching football
- Reading self help books
- Socializing
- Travelling
Timeline
AVP-Transaction Manager
Citibank
01.2023 - Current
Lead Analyst
CRISIL Ltd
09.2018 - 01.2023
Credit Analyst
Barclays Shared Services India Private Limited
11.2015 - 02.2017
Credit Analyst
Swiss Reinsurance Shared Services (India) Private Limited
04.2015 - 11.2015
Analyst Credit Ratings
ICRA Limited – An Associate of Moody’s Investors Service
02.2012 - 04.2015
PGPBM/ M.B.A - FINANCE & SYSTEMS
Center for Management Research - KBS
B.COM -
Bidhan Chandra College