Amaya Sankaran
Overview
4
4
years of professional experience
Work History
Associate Relationship Manager 1
Frost Bank
Austin, USA
07.2025 - Current
- Collaborated with relationship managers on 50+ client calls, evaluating borrower needs and influencing credit structuring and risk assessment
- Underwrote 75 commercial credit facilities up to $8MM analyzing cash flow, leverage, liquidity, and collateral
- Structured and underwrote multiple loan types (term, revolver, owner-occupied CRE, partner buy-ins), gaining exposure to varied industries and complex borrower profiles
- Calculated DSCR and key credit ratios, assessing borrower repayment capacity and identifying risk exposure
- Executed ongoing risk reviews on active credit portfolio, ensuring covenant compliance and escalating potential issues to senior credit officers
- Coordinated across lending, credit, and operations teams to streamline loan onboarding and ensure timely funding for commercial clients
- Completed 4- week competitive credit training program; delivered 2 full underwriting presentations to senior risk leadership, demonstrating risk analysis and credit structuring skills
Commercial Banking Intern
Frost Bank
Austin, USA
06.2024 - 07.2024
- Underwrote 4 loan packages by conducting risk assessments and ensuring compliance with regulatory standards
- Analyzed firm financial statements to identify key metrics and trends, enhancing financial analysis skills
- Utilized financial software and tools to streamline underwriting processes, improving efficiency and accuracy
- Shadowed 8 associate relationship managers, gaining comprehensive understanding of commercial banking process
Accounting Intern
Tomorrow’s Leaders Today (TLT)
McKinney, USA
09.2023 - 11.2023
- Created general ledgers and audits for the previous quarters based on compiled receipts
- Led 2 - 5 other interns to create a budget narrative for the previous quarter to keep finances up to date
- Utilized QuickBooks to support financial reporting and bookkeeping processes
Leasing Assistant
Torre
Austin, Texas
09.2022 - 03.2023
- Consulted with 10-15 prospective residents daily to identify needs and communicate property offerings, enhancing customer experience
- Resolved resident questions and issues through effective communication across multiple channels, ensuring timely follow-up and enhancing satisfaction
- Planned and coordinated monthly resident events to foster community engagement and strengthen resident relationships
Education
Bachelor of Business Administration - Finance
The University of Texas At Austin
05-2025
Skills
- Credit analysis
- Regulatory compliance
- Client relationship management
- Portfolio management
- Data interpretation
- Project coordination
- MS Office suite (Excel, Word, Powerpoint)
- Canva
- Problem solving
- Attention to detail
- Effective communication
Additional Information
Languages: Fluent in Hindi, Beginner Proficiency in Spanish
Interests: Embroidery, Swimming, Pottery, Reading, Running
Work Eligibility: Eligible to work in the U.S. with no restrictions
Timeline
Associate Relationship Manager 1
Frost Bank
07.2025 - Current
Commercial Banking Intern
Frost Bank
06.2024 - 07.2024
Accounting Intern
Tomorrow’s Leaders Today (TLT)
09.2023 - 11.2023
Leasing Assistant
Torre
09.2022 - 03.2023
Bachelor of Business Administration - Finance
The University of Texas At Austin