Prasad Bagwe

• Currently Managing $25MM + Commercial Loan Portfolio
• I established trust-based relationships with clients, peers, Relationship Managers, and colleagues
• Managing existing loans under my portfolio and assisted customers with types of loans, credit options, terms of services, payment plans, and helped identify and meet their financial goals.
• Leading a team of 4+ credit analysts / underwriters and ensuring credit quality standards.
• Provide support and training for less experienced credit analyst / underwriter and other credit center staff in application processing, credit analysis and loan closing roles
• Strong knowledge of commercial loan origination, underwriting, servicing, and monitoring practices and procedures.
• Supporting continuous improvement and professional practice culture.
• Approve or decline credit and loan applications within authority level, following the bank's credit policies and regulations.
• Took initiative and approved as a lender for Texas Small Business credit initiative program. (TSBCI)

• Independently underwrote SBA 7(a), 504 program loans, Healthcare and Conventional real estate loans on owner occupied properties. I have specialized in SBA 7(a) term loans, EWCP, Cap Line program and conventional Line of Credit facilities.
• Performed underwriting analysis on Commercial, SBA & Healthcare loan transactions.
• Reviewed loan applications, financial statements, credit reports, and collateral valuations.
• Conducted financial analysis, trend and ratio analysis, and industry and market research.
• Communicated with bankers and customers to gather additional information and clarify loan requests.
• Visited customer sites and inspected collateral, when appropriate.
• Prepared quarterly and/or annual reviews of existing borrowers to track compliance with various loan covenants as outlined in the Loan Agreement.
• Mentor and train junior credit officers and other credit center staff in credit analysis and loan processing skills.

• Verified for SBA eligibility for SBA programs such as SBA 7a, SBA 504, SBA EWCP and Capline.

• Managed $40MM + Commercial Loan Portfolio (Both conventional and SBA)
• New Loan Origination - $5MM+ in 2012-2013
• Average New Loan Origination since 2009 - $10MM+
• Originated new deposit relation over $5MM.