VINAY KALRA
London
Summary
Financial professional with extensive expertise in credit analysis, financial due diligence, and mortgage underwriting. Achieved a 50% increase in processing efficiency at SBI UK and provided thorough due diligence services at Ernst & Young. Skilled in conducting financial analyses, evaluating credit risk, and ensuring compliance with regulations. Proven ability to manage complex transactions and support senior underwriters with high accuracy rates.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Junior Underwriter
SBI UK
London
08.2023 - Current
- Streamlined BTL and commercial mortgage application processing efficiency by 50% through comprehensive management.
- Conducted credit checks and affordability calculations, preparing credit approval memos to evaluate risk and eligibility per PRA and FCA guidelines.
- Collaborated with case management team to ensure documentation compliance with underwriting standards.
- Supported senior underwriters by performing preliminary assessments of borrower profiles and property portfolios.
- Executed in-depth financial analyses, including projections, ratio analysis, and stress testing.
- Prepared decision rationale and documentation for senior underwriter review and approval.
- Achieved SLA targets by processing 20 cases monthly, with a 95% accuracy rate.
Financial due diligence Manager
Ernst & Young
Gurgaon
01.2021 - 12.2022
- Delivered buy-side and sell-side financial due diligence services to US clients during acquisition and divestiture transactions.
- Analyzed financial and operational results of target companies through comprehensive accounting reviews.
Credit Manager
IndusInd Bank Limited
Gurgaon
01.2016 - 01.2021
- Underwrote business loan transactions, overseeing workflow from structuring to deal closure.
- Conducted thorough financial statement analyses, emphasizing liquidity, leverage, and risk factors.
- Evaluated credit risk for mid to large corporate clients in Northern region, ensuring prudent underwriting decisions.
- Analysed customer credit data and financial statements to determine the degree of risk involved in extending credit.
- Conducted credit checks on new clients to assess creditworthiness and set credit limits.
Senior associate
CRISIL Limited
Gurgaon
01.2012 - 01.2016
- Conducted assessments and surveillance of bank loan ratings for monthly portfolio of 10–12 mid-corporate clients.
- Analyzed financial positions, evaluated ratios, cash flows, and synthesized results to determine creditworthiness.
- Independently presented rating notes to committees, achieving 80% approval for proposed ratings.
- Performed monthly visits to nearly 10 manufacturing facilities to evaluate risks and understand operations.
- Engaged with CFOs, MDs, and intermediaries to gather insights and build relationships with 10 senior executives.
Education
Master and Bachelor of Business Administration - finance
Kamrah Institute of Information Technology
Gurgaon, India06.2012
Skills
- Credit Analysis
- Customer Relationship
- Team collaboration
- Complaint handling and resolution
- Financial analysis
- Regulatory compliance
- Mortgage underwriting
- Due diligence
- Financial Reporting
- Data Visualisation
Certification
Google data analytics and visualization, Coursera, 2023
Accomplishments
- Increased portfolio value by 10% year-over-year through targeted financial strategies.
- Led team achieving 95% client satisfaction rate in financial due diligence.
- Managed over 50 high-stakes deal evaluations within strict deadlines, exceeding performance goals.
- Reduced risk exposure by 15% through comprehensive credit analysis and strategic planning.
Profile
https://www.linkedin.com/in/vinay-kalra
Timeline
Junior Underwriter
SBI UK
08.2023 - Current
Financial due diligence Manager
Ernst & Young
01.2021 - 12.2022
Credit Manager
IndusInd Bank Limited
01.2016 - 01.2021
Senior associate
CRISIL Limited
01.2012 - 01.2016
Master and Bachelor of Business Administration - finance
Kamrah Institute of Information Technology