Prasanna Kirubhakaran N

Commercial Real Estate (CRE) Underwriting & Analysis:

• Led the Income Producing Loan (IPL) analysis by evaluating the financial viability and risk profiles of high-value income-generating assets.
• Calculated critical real estate metrics including Net Operating Income (NOI), Gross Potential Income (GPI), vacancy rates, and operating expenses to project stabilized cash flows.
• Executed comprehensive risk ratings for credit facilities using Moody’s Credit Lens (MCL), performing Probability of Default (PD) and Loss Given Default (LGD) assessments.
• Evaluated borrower creditworthiness by applying the 4Cs framework (Income, Credit, Collateral, and Character) and conducting detailed character inquiries.

Financial Modeling:

• Foundational knowledge of ARGUS, including direct experience inputting complex financials and rent rolls into ARGUS models.

Financial Spreading & Data Standardization:

• Managed CRE Spreading by analyzing complex client financial documents, including IRS Form 8825, tax returns, and P&L statements to determine accurate net income.
• Standardized disparate financial data sets to ensure consistency across commercial real estate portfolios.
• Maintained an exceptional 99.0% quality and accuracy rate across all financial deliverables.
• Managed multiple projects simultaneously, ensuring timely completion and adherence to budget constraints.
• Responded to one-time and ad hoc data requests from various organizational levels, coordinating with other members of organization and supervisor.

Lease Abstraction & Portfolio Management:

• Performed Lease Abstraction for complex agreements, extracting critical terms such as rent schedules, escalation clauses, renewal options, and tenant expense responsibilities.
• Streamlined property management workflows by summarizing legal and operational terms into structured formats for stakeholder decision-making.
• Reviewed collateral valuations and identified potential risk mitigants to ensure alignment with internal credit policies and risk tolerance.

• Worked on BLAST, Credit View, ACE, TRE.
• CRES – Lease Reviews – Review - Capturing of lease contingency as per specification of the loan closing specialist.
• CRES – REA – Review: Collateral Analysis including Property Description, location Access, Tenancy Analysis, Appraisal Discussions (Approaches) and Market Analysis.
• Stepped up during peak business cycles to successfully process over 900 lease abstractions and 50+ REA reviews, ensuring the underwriting team met all critical deadlines without compromising accuracy.
• Review Annual review Checklist, Renewal Needs list, as per the covenant requirement.
• Request and uploading of document to a specified loan in a timely basis.
• Perform General Clerical operations tasks that are routine in nature.
• Collaborated with cross-functional teams to ensure seamless execution of projects and alignment with organizational goals.