Paul Andrews

4+ years of experience in wealth lending loan Operations & Break Management (Syndicated Loans, Bilateral & Agented Loans), Leveraged finance. Strong hands-on experience in reviewing and interpreting complex credit agreements, facility letters, and loan documentation and in Loan IQ, reconciliation, cash break clearing, and operational risk reduction. 2 years of experience in Customer Relationship Management on insurance, mutual funds and stocks. Proficient in analytical problem-solving, cross-team coordination, attention to detail, and process improvement.

Experienced in managing workloads, handling critical BAU tasks, and meeting strict deadlines.

Research Analyst at CRISIL LIMITED (2024-12 – 2025-12)

• Investigate and reconcile complex loan-related breaks including interest rate discrepancies, credit-adjusted spread variances, maturity/end-date mismatches, and repricing frequency issues.
• Analyze and remediate ABIT (Arrangement Business Intent Type) breaks, data integrity breaks, commitment mismatch issues, and aged/BAU breaks.
• Perform detailed break reconciliation across bilateral, agented, and non-agented loan structures to ensure accuracy of loan attributes.
• Handle and resolve CRE (Commercial Real Estate)–related breaks with accurate classification and data validation.
• Conduct root cause analysis for all breaks and assign items to the correct upstream/downstream teams to ensure timely resolution.
• Execute break corrections and updates in Loan IQ, ensuring data accuracy and compliance with operational controls.
• Support cross-functional teams by validating data, improving process controls, and reducing recurring operational errors.
• Maintain high-quality documentation, audit readiness, and strong adherence to SLA requirements.

Senior Analyst / Analyst at WIPRO LIMITED (2021 – 2024)

Citi Bank – Global Loan Syndication

• Dealing with procedures in loan lifecycle. Expertise in agented loan servicing.
• Manage pre-closing documentation and activities for efficient and compliant transaction execution.
• Identifying opportunities to improve loan processing procedures.
• Maintaining business communication with clients and participant banks.
• Knowing the concepts of 4C and LTV calculations.
• Interacting with front office, deal closing team and also with other loan servicing teams to improve quality of loan servicing.
• Review key credit documents including term sheets, Credit Approval Memos (CAMs), and credit agreements for new closings, amendments, and restructures.
• Handling customer queries and assigning the queries to respective teams.
• Reconciled borrower accounts to identify discrepancies in outstanding balances and resolved variances efficiently.
• Monitored delinquent accounts and tracked aging buckets (30/60/90+ DPD) to ensure timely follow-ups.
• Followed up with agents, lenders, and borrowers for pending payments and status updates.
• Reviewing the loan and credit documentation to ensure strict compliance with credit approvals.
• Handling drawdown procedures as per customer request and releasing notices to customers as per participant banks requests.
• Rollover processing in loan drawdown's such as PIK rollovers, consolidated rollovers, decrease rollovers and conversion rollovers in different currencies and rates.
• Managing the term and revolver loans.
• Payment processing of interest, interim interest, fees, principal etc.
• Processing of prepayment, repayment, pay down etc.
• Margin Maintenance and Fee Rule Maintenance on the loan tranches.
• Contract amendments of drawdown, tranche and loan facilities.
• Extension of tranches and syndicated loan facilities.
• Familiar with Past due report and clearing Interest and principal past dues.
• Finding the error reasons of STP failures and clearing those failures to avoid cash breaks and other issues.
• Clearing the OPICS errors occurring due to the mismatch of LD loans and treasury placements.
• Well experienced in TLM and cash break management.
• Cleared more than 1000+ high value cash breaks from client account.
• Processing loan closing termination procedures.
• Provides approval support for BAU and termination processing.
• Performing the role of a technical resource for the team to reduce the escalations to the technical and finance team
• Applying process knowledge to help team members and reduce the risk of time loss.
• Processing large and critical drawdown volumes accurately without breaking deadlines.

Sales Manager at Bajaj Finance Limited (2018-08 – 2021-01)

• Processed consumer durable loans with high accuracy, ensuring complete KYC validation, compliance adherence, and smooth disbursement for eligible customers.
• Monitor credit insurances, ensuring adequate coverage and continuous compliance.
• Built and maintained strong relationships with retail partners, counter staff, and distributor networks, enabling consistent business growth and improved customer engagement.
• Resolved customer and partner escalations within defined TAT, enhancing service quality and maintaining Bajaj Finance's customer-first standards.
• Led daily counter operations, including manpower deployment, performance tracking, and workflow management across multiple partner locations.
• Promoted and cross-sold value-added financial products such as extended warranties, insurance, and service packages, contributing to revenue enhancement.
• Conducted training and onboarding sessions for frontline sales staff, improving their product knowledge, sales effectiveness, and compliance awareness.
• Analyzed counter-level sales performance, identified low-performing segments, and implemented corrective strategies to achieve monthly targets.
• Ensured 100% compliance with documentation standards, audit requirements, and internal operational policies

Relationship Manager at ICICI DIRECT (2018-05 – 2018-10)

• Advised clients on mutual fund investments, aligning products with financial goals and risk appetite.
• Promoted and managed Systematic Investment Plans (SIPs) to encourage disciplined long-term investing.
• Educated clients on SIP benefits, including compounding, rupee cost averaging, and goal-based investing.
• Recommended life insurance and term insurance products to support financial protection and wealth preservation.
• Guided clients in selecting insurance-linked investment plans (ULIPs / maximizer funds) based on return expectations.
• Assisted clients in salary planning and budgeting, optimizing savings and investment allocation.
• Provided advisory on long-term stock investments, focusing on portfolio growth and wealth creation.
• Conducted financial need analysis to suggest suitable investment and insurance solutions.
• Built and maintained strong client relationships through regular follow-ups and portfolio reviews.
• Ensured compliance with regulatory guidelines while selling financial products

MBA – KLN College of Engineering

BCA – The American College