Experience

Office of the State Bank Commissioner

• Banking
• 1 - 100 Employee

• Managing Examiner

  • Apr 2019 - Present



U.S. Bank

• United States
• Banking
• 700 & Above Employee

• Credit Underwriter

  • Aug 2018 - Apr 2019



Office of the State Bank Commissioner

• Banking
• 1 - 100 Employee

• Financial Examiner - Full Scope Review Examiner

  • Jan 2016 - Aug 2018

  • Supervise state chartered financial institutions by working as an Examiner-In-Charge (EIC) on safety & soundness bank regulatory examinations• Conduct detailed analysis of all the CAMELS components; Capital, Asset Quality, Management, Earnings, Liquidity and Sensitivity to Market Risk and assign ratings to individual components as well as assign a composite rating based on the condition of the financial institution.• Assess the level of risk in an institution’s asset/liability structure and the adequacy of loss absorbing capital buffers and loan loss reserves• Compile and organize examination data, prepare statistical reports, and analyze examination findings to prepare written report comments• Work with management of regulated entities to facilitate the examination process and to resolve any examination issues that may arise• Ensure that financial institutions adhere to sound banking practices and regulations• Present examination findings to the Sr. management team and/or the Board of Directors• Examination Management Committee member Show less

• Financial Examiner

  • May 2013 - Dec 2015

  • Preparing report of examination by: compiling information and documentation gathered during the examination; writing the necessary sections of the exam, meeting with management, internal procedures and controls, company information, apparent violations, and examiner information.• Analyze bank's financial position by analyzing Call Reports, Uniform Bank Performance Report (UBPR) and previous reports of examination.• Evaluate the validity of interest rate risk and liquidity stress test models by auditing model methodologies and supporting assumptions and ensuring institutions compliance with regulatory guidelines. • Perform a comprehensive Investment Portfolio analysis by reviewing credit quality, pre and post purchase analysis, credit quality, and investment program management.• Complete tasks assigned by reviewing compliance laws, regulations and supplemental information.• Understand and interpret net interest margin generated by bank's financial products• Provide ad hoc analysis to bankers.• Perform IT audits to assess risks and evaluate internal controls and IT operations• Provide training to new examiners Show less



Jayhawk Consulting

• United States
• Business Consulting and Services

• Business Consultant

  • May 2012 - Nov 2012

  • Provided businesses with profit-impacting solutions to their challenges and develop customized business strategies. • Provided a non-profit organization with a self-sustaining strategic growth plan. • Consulted on product development, pricing options, market assessments, go-to-market strategies, and business plan development. • Provided businesses with profit-impacting solutions to their challenges and develop customized business strategies. • Provided a non-profit organization with a self-sustaining strategic growth plan. • Consulted on product development, pricing options, market assessments, go-to-market strategies, and business plan development.



Target

• United States
• Retail
• 700 & Above Employee

• Senior Team Leader - Backroom

  • Jun 2010 - Dec 2010

  • Leader-on-Duty: in charge of maintaining a profitable store (sales, payroll, expenses, shortage, margin) during business hours.• Experience in scheduling, planning and collaboration with outside vendors. Actively participated in the hiring process.• Managing talent through the development of the team and also holding the team accountable by delivering timely and consistent feedback. Responsible for the training and development of store leadership.• Prioritized various store assignments on a daily basis through delegation and coaching of team members. Show less

• Team Leader - Flow

  • Oct 2008 - May 2010

  • Lead a team that maintained a fully stocked sales floor and quickly and accurately loaded and unloaded merchandise.• Monitored back room equipment as well as coached and evaluated team member performance.• Increased productivity and location accuracy in the backroom.



Dillard's Inc.

• United States
• Retail
• 700 & Above Employee

• Sales Associate

  • Mar 2008 - Oct 2008

  • Primary responsibilities included helping procure appropriate purchases through suggestive selling, and correctly cashing out final selections. • Controlled inventory, strategically merchandising via product placement, and maintaining store cleanliness. • Primary responsibilities included helping procure appropriate purchases through suggestive selling, and correctly cashing out final selections. • Controlled inventory, strategically merchandising via product placement, and maintaining store cleanliness.



Centurion Bank of Punjab - Now HDFC Bank

• Underwriter – Consumer and Business Lending

  • Mar 2006 - Nov 2007

  • Analyzed business model, financial performance, management quality and expected future performance to take a view on credit risk involved in the loan proposal. • Analyzed operating trends, financial ratios, debt service capacity, liquidity and overall credit risk for conclusion and recommendation of the loan.• Worked with IT staff on an implementation of new software. (Loan Originating System)

• Team Leader – Consumer and Business Lending

  • Mar 2005 - Feb 2006

  • Vendor Management : CPA, Verification & Valuation Agencies • Cost Control : improvise processes which are high on productivity and low on wastages• Collateral Management & exercise control on Disbursement Limits • Coordination with approving authorities, obtaining approvals as per delegation in a timely manner.• Managed and trained loan processors.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Loan Processor – Consumer and Business Lending

  • May 2004 - Feb 2005