Raj Shah

About Raj Shah

Asset-based lending and collateral field examination professional with hands-on experience conducting accounts receivable and inventory exams, borrowing base validations, and risk-based collateral testing across middle-market borrowers. Backed by 17+ years in senior FP & A and operational finance roles, bringing strong financial analysis, control assessment, and commercial judgment to lender facing examinations and credit decision support.BACKGROUND & EXPERIENCE IN:>Building strong partnerships and cross-functional relationships (Sales, Operations/Supply Chain, Business Development, Marketing, R&D)>Conducting thorough analysis and Improving work processes resulting in efficiencies and productivity >Integrating companies, implementing financial systems, and increasing company profitability>Working in Professional Services, IT, Consumer Products, Publishing, Research and Biotech/PharmaCORE SKILLS:Strategic Planning | Forecasting | Budgeting | Accounting | Cash Flow Management Revenue Recognition | Financial Reporting | Modeling & Analysis | Project Management Process Re-engineering | Systems Implementation | Process Improvement | Contracts & Negotiations

Experience

1. Senior Collateral Field Examiner

   Cost Reduction Solutions

   Apr 2023 — Present · NJ, US

   Cost Reduction Solutions,(CRS) is an industry leading professional services firm providing financial due diligence and collateral field examinations.Primary duties consist of- Conduct on-site and remote collateral examinations for small and middle-market corporate borrowers (survey and existing) with credit facilities ranging from $5MM to $150MM across equipment, food and wholesale distributors, medical liens, retail, pre-settlement funding, transportation, vehicle leasing, food, and beverage- Analyze and validate borrowing bases supporting revolving lines of credit totaling $150MM+ in aggregate portfolio exposure- Review and reconcile accounts receivable agings ranging from $10MM–$100MM to general ledger and financial statements to ensure collateral eligibility and accuracy- Perform physical inventory observations and testing on inventory balances ranging from $5MM to $100MM, identifying in-transit, slow-moving, WIP and obsolete stock- Identify and report $2MM–$10MM in ineligible receivables (cross-aged, concentrations, foreign, contra, intercompany, consignment) to mitigate lending risk- Evaluate internal controls over cash application, invoicing, and inventory management to assess fraud risk and reporting reliability- Calculate dilution rates, advance rates, inventory turnover, and concentration risks to support credit decisions- Test compliance with advance formulas for ABL facilities structured against AR and inventory collateral- Prepare comprehensive field exam reports detailing collateral trends and recommend advance rate adjustments- Present examination findings and potential material collateral risk recommendations to CFOs, Controllers, and Lender Relationship Managers- Travel regionally to perform field exams, managing 15–25 borrower reviews annually.

Education

• Fairleigh Dickinson University

  MBA, Finance, International Business

• Fairleigh Dickinson University

  BS, Business Management