David Fernandes

David Fernandes is an experienced professional in commercial real estate underwriting and credit management, currently serving as a Senior Commercial Real Estate Underwriter at Home Trust Company since February 2018. David's expertise includes credit underwriting for various commercial properties, detailed financial and non-financial analysis, property appraisal reviews, and risk rating of deals. Previous roles include Credit Review Analyst at Home Trust Company, Regional Credit Manager at Banque Saudi Fransi, and Senior Manager in Group Risk Management at the Bank of Nova Scotia. David holds multiple degrees, including a Bachelor of Commerce in Accounting and Finance from the University of Mumbai and a CSC in Investments and Securities from the Canadian Securities Institute. With over two decades of experience in risk assessment, business development, and credit evaluation, David has demonstrated a strong ability to enhance credit quality and manage extensive credit portfolios.