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Payal Bhatia

Relationship Manager
Office: Bahrain
Phone: 602.903.6763
Fax: 623.321.6171
Email: payal@avanacapital.com

Payal Bhatia is a finance professional with 5 years of experience in credit analysis, SME lending, internal audit and risk management. As a Relationship Manager with AVANA Capital, the key goal of her position is managing the credit risk associated with commercial real estate lending guiding Client’s throughout the origination, underwriting and closing processes. She has in-depth knowledge of Hotel, Construction and other CRE financing with a focus on SBA lending. Payal has underwritten transactions totaling over $150MM.

She previously worked with Ernst & Young as a Consultant. As part of the Risk Advisory Services team, she worked with real estate and government-sector clients. She undertook various internal audit and risk assessment assignments on projects and schemes implemented and funded by the government as well as by international funding agencies, such as World Bank, UNDP & DFID.

Payal is a Certified Commercial Investment Member (CCIM). She earned a Master of Finance from the University of Glasgow, U.K. and a Bachelor of Business Administration from Manipal University, India.

Typical Payal: Restless and impatient, but always planning ahead. Payal strives to find balance in all aspects of her life.

Past Itineraries: Cycling through a tiny village in the Netherlands, a hot air balloon ride over the strange landscape of Cappadocia Turkey, hiking to the top of a waterfall in Koh Samui Thailand, and cliff diving in Negril Jamaica.

Passionate About: Traveling to obscure places and Interior Decor.

Guilty Pleasure: Chocolate and her Mother's cooking.

Personal Motto: Choose to be happy!

Favorite Quote: “I know that I am intelligent because I know that I know nothing.” – Socrates.

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