Utkarsh Joshi

Incorporated a proprietary forex fund, leading the setup and managing a
multi asset data framework. Built structured models for signal generation,
back-testing and performance attribution. Developed risk analytics
covering drawdown analysis and scenario stresstesting.

Monitored a £1bn portfolio (development loans) across the UK real estate
sector. Working with Relationship Directors in underwriting and analysing
new loans, ensuring credit papers were presented accurately to the
quorum and managing the Credit Committee process. Daily
responsibilities invovled reviewing project monitor reports, identifying any
risks or material issues with any projects and facilitaaiting drawdowns
with the Finance team

Built detailed acquisition and development models to evaluate
investment opportunities across a £300m portfolio. Maintained a live
portfolio tracker covering 20+ assets, improving data transparency and
reporting efficiency.

Collaborated with Operations and Technology to reconcile P&L
discrepancies in FX trade reporting. Extracted and analysed SQL data to
reconcile trades, positions and valuation data across systems. Supported
middle-office process migration project, contributing to £6m annual cost
savings and improved efficiency

Underwrote and executed £40m in loans across residential, student
housing, and mixed-use assets. Originated and developed new business
opportunities and relationships through industry networking,
contributing to a 15% growth in the active client base. Built investment
models to assess debt capacity, risk metrics and repayment structures,
presenting to the Committee (70% approval rate).

Produced daily P&Ls for 4trading deskswith exposures exceeding £500m.
Oversaw the full trade lifecycle from execution to settlement, ensuring
100% accuracy in reporting. Delivered monthly, quarterly, and ad-hoc
management reports on P&L attribution, trader performance, and
business risksfor senior leadership review.

- Collateralized Lending
• Underwriting securities-based lines (SBLs) of credit for Private Banking clients: facilities secured by a
combination of marketable securities (Equities, Fixed Income, Derivatives, FX and Mutual Funds)
• Performed collateral analysis by looking at metrics such as the Line Size Utilized vs. Total Lending Value, Loss
Given Default (LGD), commanding portfolio rebalancing and consequent margin calls, where appropriate.
Effectively communicated the options and solutions with respective clients.
• Implemented projects coordinating makeovers in the loan underwriting process through re-engineering
steps, leading to a reduction in end-to-end unit-processing time by 25%