Avanish shukla
New Delhi
Summary
Analytical, detail oriented and strategic credit professional with an ability to effectively deliver tasks assigned within required timeline and managing relationship with different stake holders.
Overview
10
10
years of professional experience
Work History
Counterparty Rating Analyst
Bank of America Corporation
Gurugram
03.2022 - Current
- Assessing financial strength for assigning an internal risk rating to the counterparty after analyzing financial statements, business models, business information, and industry (1,000+ counterparties).
- Preparation of rating summaries and recommending ratings to the credit team (700+ counterparties).
- Spreading financial statements in Credit Lens and RiskCalc.
- Examining portfolio performance for stress indicators and proposing suitable rating actions during special economic events (government shutdown, trade tariff, Israel war, Russia-Ukraine war). Highlighting key risk factors to the committee.
- Industry presentations, evaluating sector performance, and rating movement at a portfolio level.
- Creation of a macroeconomic newsletter to provide an industry-specific update to senior leadership with respect to rating movement.
Credit Analyst - Management Trainee
GENPACT (Client is a Pharmaceutical Major Fortune 100 Company)
New Delhi
03.2020 - 03.2022
- Assessed the credit and financial strength of customers by performing fundamental credit analysis. Applied the DNBI tool to assess the customer's credit history (500+ customers assessed).
- Spread financial statements in Moody's Risk Analyst and QRate.
- Prepared credit write-ups and recommended limits to credit leadership.
- Compliance check and legal documentation of requests received. Filed UCC lien to mitigate credit risk.
- Annually and quarterly, we reviewed existing customers' exposure beyond $500K.
- Developed an automation plan to improve efficiency and minimize the manual effort.
Credit Analyst
Parijat Industries India Private Limited (Company is a chemical manufacturer)
New Delhi
10.2018 - 02.2020
- Determined financial worthiness of corporate customers by analyzing financial statement and projecting financials (4000+ customers)
- Prepared credit summary and presented limit to Credit Committee as per DOA
- Conducted due diligence and legal documentation to mitigate any credit risk associated
- Managing credit portfolio, quarterly and annual reviews of existing customers (2 BN INR)
- Visited the customers factory, offices and sites to assess any fraud
Financial Analyst
Unified Credit Solutions Private Limited (Company is engaged in B2B Credit Management)
New Delhi
03.2017 - 07.2018
- Assessed financial worthiness of corporate borrowers by analyzing financial statement and projecting it (1000+ Customers)
- Prepared credit write-ups, recommended limit and rating to Banks, Trade Insurers, and Financial Institutions
- Comparing target company with its peers
- Qualitative Analysis of company by digging Annual Report and interviewing customers
- Creation of Risk Mitigation plan by discussing Company's Leadership
Market Research Intern
VIN Industries India Private Limited (Company is Chemical Manufacturer and Trader)
New Delhi
06.2015 - 08.2015
- Identified the potential market for business expansion in African Region
- Created questionnaire for assessing the need of distributors Competitor’s financial analysis
- Created the data base of potential customers in African Region
Education
Masters in Business Economics - Banking And Financial Management
University of Lucknow
Lucknow, Uttar Pradesh06-2016
Bachelor of Commerce - Financial Management
University of Lucknow
Lucknow, Uttar Pradesh04-2014
Skills
- Financial analysis
- Financial modeling
- Credit Portfolio Management
- Report writing
- Data Visualization
Timeline
Counterparty Rating Analyst
Bank of America Corporation
03.2022 - Current
Credit Analyst - Management Trainee
GENPACT (Client is a Pharmaceutical Major Fortune 100 Company)
03.2020 - 03.2022
Credit Analyst
Parijat Industries India Private Limited (Company is a chemical manufacturer)
10.2018 - 02.2020
Financial Analyst
Unified Credit Solutions Private Limited (Company is engaged in B2B Credit Management)
03.2017 - 07.2018
Market Research Intern
VIN Industries India Private Limited (Company is Chemical Manufacturer and Trader)
06.2015 - 08.2015
Masters in Business Economics - Banking And Financial Management
University of Lucknow
Bachelor of Commerce - Financial Management
University of Lucknow
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