ANSHUL MAHESHWARI
Gurgaon
Summary
Credit Analysis Delivery Lead experienced in managing corporate underwriting, conducting annual and interim reviews, and monitoring risk for global financial institutions. Delivered actionable risk insights through leadership of high-performing teams and ensured compliance with industry standards. Focused on achieving professional growth and contributing to organizational success through dedication and expertise.
Overview
9
9
years of professional experience
Work History
Delivery Lead
Acuity Knowledge Partners (P) Ltd
09.2024 - Current
- Led team in work allotment and management of deliverables, ensuring timely completion and quality of client summary reports.
- Conducted annual and interim reviews and financial covenant testing for business banking and middle market clients, ensuring compliance with regulatory standards.
- Prepared credit reports and memos, providing comprehensive evaluations to support clients in assessing corporate borrower creditworthiness.
- Assigned operational risk ratings (ORR) and loan risk ratings (LRR) to corporate borrowers following bank policies.
- Hands on experience working on ACH origination / renewal / modification request and provided summary reports to the banks.
Sr. Business Analyst
Evalueserve (P) Ltd
08.2021 - 09.2024
- Executed detailed borrower global cash flow analysis to assess loan repayment capacity and financial spreads of borrower and guarantor.
- Conducted financial covenants testing, including FCCR, DSCR, consolidated leverage ratio, ICR, senior debt to EBITDA, and loan to value, by analyzing discrepancies between borrower and bank calculations.
- Performed interim review, featuring borrower risk rating analysis focused on revenue growth, EBITDA, and FCCR.
- Spreading the financial statements in an excel model and credit lens with adhered guidelines (10K, 10Q, Audited, Reviewed, Complied, Company prepared, Business Tax Return, Personal Tax Return, Personal Financial Statement and Credit Bureau Report).
- Coordinated team efforts to manage daily tasks, track progress, prepare client summary reports, and organize knowledge transfer sessions.
Credit Analyst
WNS Global Services (P) Ltd
02.2019 - 08.2021
- Reviewed credit documentation for loan applications, including mortgage loans, revolving lines of credit, letters of credit, lease master lines, amortizing term loans, commercial CC, and business CC for an international bank's credit report writing process.
- Detailed DSCR, Leverage & liquidity analysis of business and stakeholders including LTV analysis for proposed loans based on lender policy guidelines.
- Performed debt management analysis for existing and proposed business debts, assessing financial health and repayment capacity.
- Spread financial statements in a customized web-based application, ensuring adherence to established guidelines.
Financial Analyst
Aptara Corporation
06.2017 - 02.2019
- Analyzed financial statements (Balance Sheet, Income Statement, Cash Flow Statement, Statement of Stockholder's Equity) of US SEC listed companies, ensuring compliance with US GAAP standards.
- Reviewed and prepared financial statements (10-K, 10-Q) for filing with the SEC, ensuring adherence to US GAAP regulations.
- Reporting and analysis of related notes and schedule of SEC listed companies as per SEC guidelines.
- Delivered final reporting documents to clients within specified time frames while maintaining high quality standards.
Education
MBA - Finance
GLA University
01-2017
Skills
- Financial Risk Analysis
- Credit Report Writing
- Credit Memo Preparation
- Covenants Monitoring
- Performance Metrics Analysis
- Annual and Interim Reviews
- US GAAP Reporting
- Microsoft Office Proficiency
- Power BI familiarity
- Basel Guidelines Knowledge
- Team Handling Experience
LANGUAGES
English, Hindi
Timeline
Delivery Lead
Acuity Knowledge Partners (P) Ltd
09.2024 - Current
Sr. Business Analyst
Evalueserve (P) Ltd
08.2021 - 09.2024
Credit Analyst
WNS Global Services (P) Ltd
02.2019 - 08.2021
Financial Analyst
Aptara Corporation
06.2017 - 02.2019
MBA - Finance
GLA University