Bipin Alankar

About Bipin Alankar

I am an accomplished banking professional with over 12 years of expertise in Commercial Credit Underwriting and Portfolio Risk Management. My strong academic foundation includes Master’s degrees in Economics and Finance from one of the prestigious institutions at The University of Texas at Dallas.I’m a results-driven Senior Commercial Credit Underwriting Officer and Portfolio Manager with a passion to assist businesses access the capital they need to grow while ensuring every credit decision is built upon the foundations of Policies & Procedures, Regulatory Compliance, Rigorous Analysis and Strategic Risk Management. Given a substantial background in Credit Underwriting, Managing & Negotiating complex transactions, I extensively support lending decisions for clients across a range of industries by partnering closely with Relationship Managers and Risk teams to structure sound, scalable financing solutions.What sets me apart is my ability to combine data-driven credit assessments with a nuanced understanding of the industry trends, borrower business model, and quantitative risks. Whether it is evaluating the Cash Flow resiliency, analyzing Covenant Structures, or preparing high-quality Credit Memos for Senior Risk Management, I am deeply invested in making well-informed, forward-looking credit decisions: Commercial Lending Credit Portfolio Risk Management Cross-Functional Collaboration Covenant and Collateral Structuring Credit Policy and Procedures Compliance. Beyond traditional Underwriting and Portfolio management duties, I enjoy contributing to special projects and other similar initiatives. Highlights include serving as a Subject Matter Expert for the U.S. Federal Reserve\'s Main Street Lending Program (MSLP) during the COVID-19 crisis, leading compliance risk projects, mentoring Credit Analysts on the fundamentals of Commercial Underwriting and Portfolio Risk Management: I remain deeply connected to my alma mater, The University of Texas at Dallas, contributing to the Graduate Finance Management Council and Finance Lab programs at the School of Business. I\'m engaged in mentoring Graduate Finance Students, judging student projects and guest speaking at events, all in the pursuit of empowering future Finance leaders.

Experience

1. Vice President - Senior Commercial Credit Underwriting Officer Portfolio Manager

   Bank of America

   Feb 2025 — Present · Dallas, TX, US

   As a Senior Commercial Credit Underwriting Officer and Portfolio Manager at Bank of America, I bring a proven track record of Assessing, Structuring, Negotiating and Managing complex credits across diverse industries within Commercial Banking Group. With over twelve years within the Commercial Lending and Risk Management, I specialize in balancing strong credit discipline with client centric approach supporting the sustainable business growth.In my role, I specifically partner with Relationship Managers to deliver tailored financing solutions that align with client goals while maintaining rigorous risk and regulatory standards. My expertise spans Commercial and Industrial, Real Estate Lending, Cash Flow Analysis, Credit Policy Compliance & Covenant Structuring. My core responsibilities also include conducting Deal Pre-Screening, ensuring Financial Data Accuracies and Reliability, preparing a detailed Credit Approval Memorandums and presenting to Risk Managers. I thoroughly enjoy analyzing complex financial data and translating it into actionable insights that help me make informed credit decisions hence also strengthening my portfolio performance. I am passionate about fostering collaboration between Credit and Relationship Management teams to ensuring credit decisions that are prudent while delivering exceptional service to the clients.Beyond traditional duties, I like staying informed about the evolving Credit Market, Industry and Regulatory trends which impact Commercial Lending and Risk Management.

Education

• Indiana University

  Bachelor of Science in Business, Economics Concentration

  2005 — 2010

• The University of Texas at Dallas

  Master of Science in Finance, Financial Management Concentration (School of Management)

  2012 — 2013

• The University of Texas at Dallas

  Master of Science in Economics, Macroeconomics & Econometrics Concentration (School of EPPS)

  2011 — 2012