Honor Society® member
Divan Pervez
Credit Analyst II at - Evaluate and determine the credit risks of the more complex and higher dollar amount commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. - Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies. -Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assign an overall risk rating to the credit request through the review and analysis of financial inform -Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals. -Primarily works on lower level credit approvals of $10MM or less.
- business administration
- New York, New York
Member since February 2023
About
Experienced professional with a demonstrated history of working in the banking industry. Primary focus in Business Banking and Business lending. Strong business development professional skilled in sales, financial and credit analysis, public speaking,
networking, and forging strong relationships.
Education
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Pace University
business administration
2021 – 2025
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Fairfield University
finance
2008 – 2010
Goals and interests
- Career goal
As a banker of 4 years, I will continue to pursue further advancement within the industry. I am now involved in Commercial Banking as a Credit Analyst and would like to develop the associated skillset and knowledge required to progress in the credit department.
Experience
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Credit Analyst II
- Evaluate and determine the credit risks of the more complex and higher dollar amount commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service. - Review all pertinent credit and financial information, including reporting services, credit bureaus, and other companies. -Prepare summary, present facts, and offers opinions concerning credit-worthiness. Assign an overall risk rating to the credit request through the review and analysis of financial inform -Develop credit analyses for use by lending officers or committees in the making of lending decisions on new credit approvals and renewals. -Primarily works on lower level credit approvals of $10MM or less.
Oct 2022 – Feb 2023
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Senior Relationship Banker
Assist branch manager to ensure annual goals are attained and exceeded. Support branch colleagues with daily tasks regarding servicing matters. Provide customers with exceptional service standards. Source and retain retail and business clientele through proactive outreach. Mastery of retail and business banking regarding needs based analysis and relationship management. Strong focus in sourcing business lending opportunities. Excellent communication between various partners. Acting as mentor to tenured employee in to develop employee’s business banking skillset with intention to advance role within the bank. • Sourced and closed $3.2MM in business lending solutions between Q3 2020 - Q3 2022 • Leader in facilitating communication among bank business partners • Developed portfolio in excess of 80 managed business clientele • Drive additional revenue stream via cash management services for small business clientele • Participating in Commercial Banking Shadow Program to gain exposure in CRE sales and underwriting
Jan 2020 – Oct 2022
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Sales Development Trainee
Apr 2019 – Jan 2020
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Lead Trainer
Mar 2016 – Sep 2018
Languages
- Italian Intermediate
