Sriram Srinivasan

Professional Summary

• Lead the Covenant Administration and Payoff Teams (19 members) within a prominent U.S.-based commercial real estate master servicing bank, driving operational efficiency and team performance.
• Monitor and optimize team workflows during peak periods, implementing strategic adjustments to improve turnaround time and service delivery.
• Track monthly productivity metrics, including process-level and individual performance indicators, to ensure alignment with business objectives and continuous improvement.
• Maintain comprehensive documentation for Service Level Agreements (SLAs), recruitment activities, and process management controls to ensure full compliance during internal and external audits.

Process Highlights

Payoff Team

• Generate payoff quotes for single-family residential borrowers across multiple portfolios, including HPA, Tricon, Progress, Pagaya, and Vine.
• Ensure accurate and timely delivery of payoff information in accordance with borrower requests and portfolio guidelines.

Covenant Administration Team

• Monitor compliance with loan covenants, real estate contracts, and other binding agreements to uphold regulatory and contractual standards.
• Track and review financial ticklers such as financial statements, rent rolls, lease agreements, property schedules, DSCR, guarantor net worth, and credit ratings on monthly, quarterly, semi-annual, and annual cycles.
• Address breaches or delays in financial documentation by liaising directly with borrowers to procure required materials.
• Conduct credit rating assessments using Moody’s, S&P, Fitch, and DBRS platforms to evaluate borrower risk profiles.
• Supervise team members, providing performance feedback, setting improvement goals, and fostering a culture of accountability and excellence.
  
  

Team Management & Operational Excellence

• Led a high-performing team of 16 members, applying administrative and operational expertise to consistently meet deadlines and long-term strategic goals.
• Achieved zero attrition for two consecutive years during a 3-year, 8-month leadership tenure, fostering a stable and motivated work environment.
• Spearheaded automation initiatives, including the development of a line item dictionary to streamline the financial spreading process.
• Prepared and delivered weekly updates and monthly review presentations to senior management and internal teams, ensuring transparency and alignment.
• Reported monthly progress on individual and process-level performance to management, highlighting key achievements and areas for improvement.

Process Highlights – Credit Analysis & Risk Management

• Conducted financial statement analysis using the Credit Lens (MRA) tool to perform accurate financial spreading.
• Set up borrower portfolios by reviewing and interpreting documents such as loan agreements, credit agreements, and discussion papers.
• Executed qualitative and quantitative risk assessments to generate comprehensive risk scorecards for credit decisioning.
• Calculated outstanding loan balances, updated terms and amortization schedules, and ensured data accuracy across facilities.
• Evaluated collateral eligibility and current values submitted by borrowers to support loan underwriting.
• Managed full and partial discharge of securities upon loan payoff, ensuring compliance with contractual obligations.
• Performed covenant checks and validated reporting requirements based on credit agreements.
  Reviewed and tracked key reporting documents including financial statements, guarantor financials, lease agreements, and insurance certificates.
• Compiled and submitted detailed narratives to the Deal Team and Relationship Managers to support informed credit decisions.
  
• Monitored borrowing bases for revolver loans and assessed margining requirements.

• Executed account servicing activities in response to customer requests, ensuring timely and accurate resolution of service needs.
• Handled escalation queries through both calls and emails, delivering prompt and effective solutions while maintaining high client satisfaction.
• Provided post-call process updates to stakeholders and clients, ensuring transparency and alignment across teams.
• Maintained and analyzed Management Information Systems (MIS), including weekly and monthly performance reports to support strategic decision-making.
• Conducted quality checks on process deliverables, monitoring compliance and driving continuous improvement in service standards.
  

• Spread 10-K and 10-Q financial statements using the Risk Analyst tool to support credit evaluation and portfolio management.
• Generate analytical reports from the tool, with a focus on monitoring key financial trends such as EBITDA performance and accounts payable movement.
• Calculate the current portion of long-term debt, ensuring accurate classification and assessment of short-term liabilities for risk profiling and financial forecasting.
  

• Managed cash receipts and disbursements as a Cash Officer, ensuring accuracy, compliance, and timely transaction processing.
• Oversaw the Know Your Customer (KYC) section of the branch, verifying customer documentation and maintaining regulatory standards.
• Contributed to the Loan Division and Current Account operations, supporting account setup, maintenance, and customer servicing in alignment with banking protocols.