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Reeva Niroula is a seasoned credit professional with extensive experience in risk analysis and management. Currently serving as a Senior Credit Analyst at First Republic Bank since January 2023, Reeva identifies delinquency trends and maintains a commendable average delinquency rate of 0 by collaborating with relationship managers. Previously, Reeva worked at Earnest LLC in various roles, including Credit Risk Specialist and Credit Officer, where responsibilities included leading risk management programs and underwrote approximately 2,000 loans with a significantly low underwriting error rate. Reeva's early experience includes a Research Assistant role at California State University, East Bay, and an Operations Intern position at Gift-wow. Reeva holds multiple MBA degrees from California State University, East Bay, and Pokhara University, with a focus on Finance and Business Administration.