Trilok Shah

Senior Credit Risk Analyst @JPMorganChase

Bengaluru, IN

Prepared Comprehensive Credit Memos for Mid-Large Market Corporates (exposures up to $1Bn), covering company overview, business risk, industry risk, management assessment, collateral analysis, competitor analysis and financial performance.• Performed independent Risk Grading of borrowers using JPMorgan’s internal models, quantitative assessment (PD, LGD, regulatory ratings) and qualitative assessments, ensuring alignment with global credit standards.• Developed a Collateral Alert Tool, enhancing portfolio monitoring and improving risk visibility, resulting in faster risk identification and proactive decision-making.• Streamlined credit memo process by automating recurring sections with cross-team collaboration, reducing preparation time by 15%• Prepared credit reports for clients across industries including negative EBITDA startups ensuring accurate risk assessment and compliance with internal credit policies.• Tracked financial and non-financial covenants by monitoring income statements, balance sheets, and cash flows, ensuring compliance with fixed charge coverage, liquidity, and leverage ratios.• Led discussions with underwriters and bankers across West, Midwest, and North America, strengthening risk communication and enhancing decision accuracy.

M. G. Science Institute

Bachelor of Science - BS