Amit Chaturvedi
Credit Analyst
Varanasi,UP
Summary
Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Offering a successful career history comprising more than 4+ years.
Overview
2
2
Languages
1
1
Certification
5
5
years of post-secondary education
4
4
years of professional experience
Work History
Business Analyst - Commercial Lending
Genpact Ltd
Gurugram, India
12.2019 - 08.2020
- Preparing Credit Proposals (Pre-Sanction process) for Companies of various sectors.
- Detailed analysis of the Audited Annual Reports and projections of financial performances of the Companies.
- Preparing Credit Monitoring Arrangement (CMA) data and Credit Rating Assessment (CRA) report of Companies based on their quantitative and qualitative performances.
- To assist the Relationship Manager in the presentation of the credit proposal to the sanctioning committee
- Maintaining TAT for timely appraisal of files as prescribed by guidelines.
Financial Analyst - Credit
Globus Thenken Pvt. Ltd
Pune, India
09.2017 - 09.2019
- Analysis & preparation of company financial i.e. CMA (Credit Monetary Assessment)/FAT (Financial Analysis Tools).
- Preparing of Input Sheet, Term Sheet.
- Reviewing management qualification, experience, track record, succession plan, competence & market credibility.
- Analyze borrower’s financial strength and performance along with the repayment capacity on the basis of financial statements & other additional documents
- Detailed analysis of Cash flows for deriving underlying trend of operating cash flows, free cash flows and cash conversion cycle
- Performing Ratio Analysis to understand the profitability, liquidity, solvency, leverage & operating efficiency of the clients business
- Preparing detailed credit risk appraisal note, recommending the case and pursue at senior level
- Analyze borrower’s financial strength and performance along with the repayment capacity on the basis of financial statements & other additional documents.
Associate Analyst - Commercial Lending
State Street Syntel Service Pvt. Ltd
Pune, India
03.2016 - 08.2017
- Analyze credit data and financial statements of companies with respect to automobile sector in U.S. to determine the degree of risk involved in extending credit or lending money
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations
- Analyzing key financial ratios to ascertain liquidity
- Assigning a credit rating to each existing business or new business considering loss given default and probability of default.
Education
PGDM - Financial Management
IFIM B-School
Bangalore 06.2013 -
BBA - Finance
MMCC College (University of Pune)
Pune 05.2010 -
Skills
Credit Report Writing
Credit Rating
Credit Analysis
Commercial Lending
Credit risk
Financial statements Analysis
Accomplishments
- Awarded the State Street Syntel Champ Award in Q3 2016.
- Ranked 1st in B-Quiz organized by Business Standard
- Founder of " QuizBizz" - IFIM B-School Quiz club
Certification
Certification in Credit Analysis from Edupristine & BSE
Timeline
Business Analyst - Commercial Lending
Genpact Ltd
12.2019 - 08.2020
Financial Analyst - Credit
Globus Thenken Pvt. Ltd
09.2017 - 09.2019
Associate Analyst - Commercial Lending
State Street Syntel Service Pvt. Ltd
03.2016 - 08.2017
PGDM - Financial Management
IFIM B-School
06.2013 -
BBA - Finance
MMCC College (University of Pune)
05.2010 -