Priya Raman
Senior Credit Analyst, Commercial Banking · Charlotte, NC
Summary
Credit analyst with 6 years underwriting middle-market commercial loans of $5M-$40M across manufacturing, distribution and healthcare. Underwrites about 90 credit requests a year with a 2-day average turnaround, and has helped hold the portfolio's nonaccrual rate under 0.9% through two rate cycles.
Experience
Senior Credit Analyst, Piedmont Commercial Bank
Jan 2022 – Present
Charlotte, NC
- Underwrite 90+ new and renewal requests a year for a $1.1B middle-market portfolio, writing credit memos covering cash-flow, collateral, guarantor and industry risk.
- Build 5-year projections and downside cases in Excel; stress DSCR and leverage at +200 bps and a 15% revenue decline to set covenants and structure.
- Assign and review risk ratings on 140 relationships, recommending 9 downgrades that moved loans to special-assets monitoring before any payment default.
- Present recommendations to the loan committee and mentor 2 junior analysts; trimmed average approval turnaround from 4 days to 2 by standardizing the memo template.
Credit Analyst, Piedmont Commercial Bank
Jul 2020 – Dec 2021
Charlotte, NC
- Spread and analyzed financial statements in Moody's CreditLens for borrowers with $10M-$150M in revenue, calculating EBITDA, global cash flow and working-capital ratios.
- Prepared annual review packages for 60 existing credits, flagging covenant breaches and missing financial reporting and following up with relationship managers.
- Completed 25 borrower site visits and management calls with lenders to verify inventory, receivables aging and customer concentration.
- Supported the PPP loan forgiveness backlog by reviewing 180 applications for documentation completeness within the SBA deadlines.
Skills
Commercial credit underwriting · Financial statement spreading · Cash-flow and DSCR analysis · Credit memo writing · Risk rating (probability of default / loss given default) · Covenant structuring and monitoring · Moody's CreditLens · Advanced Excel modeling · CRE and C&I collateral analysis · Industry and market research
Education
B.S. in Finance, University of North Carolina at Charlotte, 2020
Certifications
- Chartered Financial Analyst (CFA) Level II candidate
- RMA Credit Risk Certification