Aditi Jain
Senior Credit Analyst
Bengaluru,KA
Summary
I am a finance professional with nearly three years of experience in credit analysis, risk assessment, and underwriting across corporate and real estate portfolios within the Australia, India, and broader APAC regions. My expertise includes detailed financial statement analysis, cash flow assessment, industry and regional risk evaluation, and implementation of effective credit risk mitigation strategies in line with regulatory and internal credit policies. I have strong hands-on experience in financial modeling, credit approval processes, portfolio monitoring, and covenant analysis, leveraging tools such as Excel and Power BI to support data-driven credit decisions. I consistently deliver accurate, well-documented underwriting and financial analysis recommendations that enhance portfolio quality and risk control.
Overview
4
4
years of professional experience
2041
2041
years of post-secondary education
6
6
Certificates
2
2
Languages
Work History
Credit Senior Analyst
Australia & New Zealand (ANZ) Bank
04.2023 - Current
- Conduct end-to-end credit analysis and financial risk assessment, including a detailed review of financial statements, cash flows, leverage, liquidity, debt servicing capacity, and repayment sustainability to support prudent credit decisions.
- Independently evaluate credit proposals across corporate, commercial real estate, HNI, and institutional portfolios, ensuring compliance with internal credit policies, risk appetite frameworks, and APRA regulatory standards.
- Manage and assess credit exposures exceeding AUD 2.25 million, partnering with CXO-level stakeholders to deliver structured credit recommendations that strengthen portfolio quality and risk-adjusted returns.
- Develop and maintain Management Information Systems (MIS), interactive dashboards, and executive-level reporting using advanced Excel and Power BI, enabling proactive portfolio monitoring, trend analysis, and early risk identification.
- Perform credit due diligence, covenant monitoring, and post-sanction reviews, including root cause analysis of deteriorating accounts; support credit governance, and timely deal execution through cross-functional collaboration.
- Mentor and guide junior analysts, reviewing credit assessments and models to ensure analytical rigor, documentation quality, and adherence to underwriting standards.
Equity Research Intern
CSA Advisor
05.2022 - 11.2022
- Conducted industry and sector analysis to identify equity investment opportunities and support portfolio-level decision-making.
- Developed 20+ financial models using DCF, comparable company analysis (CCA), and ratio-based valuation to estimate intrinsic value and downside risk.
- Performed technical analysis using price trends, volume indicators, and moving averages to generate data-driven investment recommendations.
- Analyzed 50+ quarterly and annual financial statements, assessing profitability, leverage, liquidity, and cash flow strength to support investment evaluation and credit risk assessment.
- Prepared and presented 10+ equity research reports for senior analysts, influencing investment decisions exceeding USD 1 million, while collaborating with a 5-member analyst team to validate assumptions and ensure model accuracy.
Education
MBA - Finance
BML Munjal University
Gurgaon03-2023
Masters Of Commerce - Accounts And Business Studies
Kota University
Kota, India 04.2001 -
BCOM - Finance And Accounts
University of Kota
Kota 04.2001 - 01.2019
Skills
Credit Analysis & Credit Risk Assessment
Certification
Excel skills for Business (Specialization of 4 courses)
Accomplishments
- Held delegated credit authority (CAD) under ANZ’s credit framework, independently approving or declining credit exposures up to AUD 2.25 million in line with internal risk policies. Conducted financial statement and cash flow analysis, assessing leverage, repayment capacity, and risk profile to support credit decisions. Applied structured credit assessment, documentation, and governance standards across secured lending exposures, including construction and property-backed facilities.
- Employee of the month, ANZ Bank, 08/01/24 - Present
- Spot award of the month, 09/01/23 - Present, Received awards for exceptional performance and industry recognition based on positive feedback from brokers.
Timeline
Credit Senior Analyst
Australia & New Zealand (ANZ) Bank
04.2023 - Current
Equity Research Intern
CSA Advisor
05.2022 - 11.2022
Masters Of Commerce - Accounts And Business Studies
Kota University
04.2001 -
BCOM - Finance And Accounts
University of Kota
04.2001 - 01.2019
MBA - Finance
BML Munjal University
Languages
English
Advanced (C1)
Hindi
Bilingual or Proficient (C2)
Projects/Training
1. Financial Market Experience Programme
- Completed structured Equity Markets Analyst training, gaining practical exposure through simulated portfolio analysis designed to mirror live market conditions and investment decision frameworks.
- Conducted fundamental and technical analysis of listed companies, including financial ratio analysis, industry benchmarking, trend assessment, and valuation review, to evaluate financial strength and risk profile.
- Performed multi-sector market and equity research, strengthening capabilities in financial analysis, risk–return assessment, and performance evaluation to support informed investment and credit-related decisions.
2. Credit Approval Process (CAP)
- Completed ANZ Credit Approval Process (CAP) training, gaining hands-on experience in credit appraisal frameworks, internal risk rating models, and end-to-end credit underwriting workflows.
- Performed credit analysis and documentation review, ensuring data accuracy, regulatory compliance, and audit readiness, while monitoring portfolios to identify and mitigate emerging risks.
- Applied risk grading and credit assessment models to complex and borderline cases, delivering well-structured credit recommendations aligned with internal risk appetite and governance standards.