I am a finance, debt advisory, and valuation professional with over two years of hands-on experience across transaction advisory, integrated financial modeling, and commercial bank and credit auditing. I have cleared Level II of the CFA Program (CFA Institute), am a Chartered Accountancy (CA) Final Candidate with the Institute of Chartered Accountants of India (ICAI), and hold a B.Com (Hons) degree from St. Xavier’s College, Kolkata. In my advisory and audit practice, I have served as lead analyst on a $230M+ corporate debt syndication and authored an 80-page institutional business plan and syndication memorandum. I have also built 10-year integrated three-statement financial models for a $550M capital expenditure programme and structured $400M+ debt packages across term loans and non-convertible debentures. On the financial institutions side, I have audited one of India’s largest public-sector commercial banks testing loan portfolios for non-performing asset classification and reviewing Basel III capital adequacy and led IFRS-converged (Ind AS 109) financial instrument classification and investment valuation for a non-banking financial company. On Seeking Alpha, my coverage focuses on U.S. regional and community banks, specialty financials, M&A special situations, and cash-generative industrials. My investing approach combines credit-first balance sheet due diligence scrutinizing deposit funding costs, loan book concentrations, purchase accounting marks, and regulatory capital ratios with transparent, bottom-up three-statement, justified P/TBV, and free-cash-flow-to-equity (FCFE) valuation models. My motivation for writing on Seeking Alpha is to share primary-filing-driven research where every valuation assumption is tied directly to SEC filings and tested against downside credit risks.
Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
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