Jay Mewar

• Collaborated with C-level executives and stakeholders to develop long-term financial plans.
• Assisted in development of budget with specific focus on forecast accuracy to achieve membership growth, revenue and IOI targets.
• Complied with established internal controls and policies.
• Performed banking, business administration and financial tasks to guarantee five-star service for clients.
• Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
• Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
• Analyzed business processes to identify cost savings and operational efficiencies.
• Evaluated and negotiated contracts to procure favorable financial terms.
• Developed strategic plans for day-to-day financial operations.
• Oversaw day-to-day operations to keep organization running smoothly while meeting business goals.
• Maintained P&L and shouldered corporate fiscal responsibility.
• Established and maintained strong relationships with customers, vendors and strategic partners.
• Managed financial, operational and human resources to optimize business performance.
• Oversaw business-wide changes to modernize procedures and organization.
• Identified and pursued business development opportunities to grow organization and increase revenue.
• Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.

• Successfully managed a portfolio of commercial real estate in M&T Banks Mid Atlantic Region with primary duties of conducting periodic reviews, financial statement collection, modifications, and other day to day duties.
• Drove weekly meetings and collaborated with Line partners in my district for current and upcoming workload. As a team, we problem solve issues or questions from different departments such as Credit Officers, Credit Review, and others.
• Ran sub pipeline calls for PMs that are more detailed and process focused. Responsible for upskilling, mentoring, and serving as a resource for any issues for my team.
• Drove Risk Assessment of customers on an ongoing basis with a focus on identifying emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement. Analyses to included an independent credit quality assessment for existing loans with well-supported risk rating rationale, identification of credit risks and mitigants, and other pertinent credit issues.
• Managed large-scale projects and introduced new systems, tools, and processes to achieve challenging objectives.
• Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.

1) Monitor and assess the credit risks of larger, more complex commercial loan portfolios and higher dollar loans through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. Typical monitoring is normally around $10-30MM exposure to the Bank.

2) Manages the ongoing credit risk of existing loan portfolios through continuous credit monitoring (CCM) activities enabling the timely identification of emerging credit risk so that appropriate actions can be taken to manage the risk, minimize losses and assign an accurate risk rating. A CCM program includes but is not limited to annual reviews (and PLRs and Guarantor Assessments), interim update memos, a covenant monitoring program, problem loan management, early warning indicators, and other forms of credit surveillance.

3) Review all pertinent credit and financial information, including but not limited to financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data. Determine the need for more thorough investigation or additional information.

4) Analyze financial information and related materials and complete ongoing credit monitoring for the Bank’s commercial transactions. Risk assessment of customers is on an ongoing basis with a focus on identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement. Analyses to include an independent credit quality assessment for existing loans with well-supported risk rating rationale, identification of credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues.

• Skills: Banking · Analytical Skills · Loan Documents · Credit Management · Loan Underwriting · Lending · Alternative Solutions · Business Planning · Financial Analysis · Data Analytics · Written Communication · Credit Risk Management · Commercial Real Estate Analysis · Loans Administration · Strategic Thinking · Real Estate · Cash Flow Analysis · Communication · Property Inspections · Organizational Performance · Covenant Compliance · Presentations · Risk Management · Loan Covenants · Credit Portfolio Management · Organization Skills · Financial Performance

• Monitor over $1 billion in credit risk exposure limits for the Real Estate Capital Markets portfolio
• Conduct annual relationship reviews of counterparties in the Real Estate Capital Markets portfolio, and provide decisions as to the credit quality of the counterparty (including running Model/ Scoring Analysis, calculating internal risk rating, and recommending credit risk exposure limits)
• Investigate, and work to resolve daily excesses/exceptions in credit exposure limits, driven by the trading of products such as OTC, Swaps, and MBS
• Collaborate with Credit Officers, Senior Credit Officers, Credit Risk Associates, and colleagues globally on projects, exceptions, and ad hoc requests