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Revathy pkkubg

@revathypkkubg

Commercial credit professional at J.P. Morgan, reviewing floorplan financing and term-loan underwriting decisions.

At J.P. Morgan, I perform independent reviews of credit approval memorandums and underwriting decisions for floorplan financing facilities and term loans. I assess financial ratios, risk ratings, credit structures, collateral monitoring, and covenant compliance, and identify portfolio risk trends and control gaps.

Previously, I managed portfolio reviews at Wells Fargo and Frontline Analysts, and conducted credit analysis for US and UK commercial lending portfolios at Acuity Knowledge Partners. My work has included preparing credit memorandums, reviewing collateral and covenant structures, and developing SOPs, training modules, and portfolio trackers.

Experience

Work history, roles, and key accomplishments

Current

Associate

Current

J.P. Morgan

Jan 2024 - Present (2 years 9 months)

Performed independent sampling review of Credit Approval Memorandums and underwriting decisions across floorplan financing facilities and term loans. Evaluated financial ratios, risk ratings, and credit structures to ensure alignment with internal credit policies.

Credit Analysis Underwriting Risk Assessment Financial Ratios Collateral Monitoring Debt Covenant Compliance Salesforce Siebel Moody Risk Analyst Microsoft Office

Portfolio Officer

Frontline Analysts

Dec 2022 - Jan 2024 (1 year 1 month)

Managed annual review portfolio of corporate borrowers including syndicated and bilateral facilities. Monitored post-closing conditions, covenant compliance, and facility utilisation.

Portfolio Management Credit Review Covenant Monitoring Loan Market Association (LMA) Documentation Stakeholder Coordination

Portfolio Manager

Wells Fargo

Mar 2021 - Dec 2022 (1 year 9 months)

Managed end-to-end portfolio reviews including collateral validation, covenant monitoring, lien verification, and policy compliance. Led a team in preparing annual credit review reports for dealer financing portfolio.

Credit Analysis Portfolio Management Collateral Validation Covenant Monitoring Lien Verification Policy Compliance Team Leadership SOP Development Training UCC Filings

Senior Associate

Acuity Knowledge Partners

Nov 2016 - Mar 2021 (4 years 4 months)

Conducted end-to-end credit analysis for mid-market and corporate borrowers across US and UK portfolios, covering real estate loans. Prepared detailed Credit Approval Memorandums including business risk assessment, financial statement analysis, and cash flow modelling.

Credit Analysis Financial Statement Analysis Cash Flow Modeling Risk Assessment Performance Testing Covenant Monitoring Collateral Valuation DSCR ICR LTV

Associate

EXL Services Pvt. Ltd.

Jan 2014 - Mar 2016 (2 years 2 months)

Part of transition team supporting Accounts Payable operations for a Europe-based MNC. Managed intercompany payment processing and coordinated cross-border fund transfers for European entities.

Accounts Payable Payment Processing Intercompany Transactions Vendor Management Training