BHAVIK TANK
Ahmedabad
Summary
Results-driven Chartered Accountant and Credit Analyst with a strong history of financial analysis excellence. Proven ability to enhance credit decisioning processes through effective data interpretation and strategic risk management. Recognized for mentoring teammates, leading to improved overall performance and collaborative partnerships. Career aspirations include leveraging expertise to drive impactful financial strategies in a leadership role.
Overview
11
11
years of professional experience
Work History
Credit Analyst
Standard Chartered Bank
Ahmedabad
06.2022 - Current
- Conducted detailed financial analysis on clients to assess creditworthiness and recommend credit limits.
- Collaborated with loan officers and underwriters to structure credit solutions that meet clients' needs.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Developed a comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
- Provided mentorship and training to junior credit analysts on financial analysis techniques and tools.
- Communicated regularly with borrowers throughout the application process.
- Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
Credit Analyst
Cosmos Bank
Ahmedabad
01.2021 - 06.2022
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Assisted in the development of credit policies and procedures to mitigate potential risks.
Chartered Accountant
Consultant
Ahmedabad
01.2017 - 12.2020
- Advised clients on tax planning strategies that minimize their tax liabilities while complying with applicable laws and regulations.
- Designed internal control policies to improve audit scores.
- Oversaw full accounting cycle and prepared applicable financial statements.
- Assisted with budgeting and forecasting activities by preparing analyses of actual vs. budgeted performance.
Credit Analyst
Kalupur Bank
Ahmedabad
07.2014 - 01.2017
- Detailed credit analysis of various credit facilities granted to different registered entities.
- Designed new products, internal circulars, and guidelines related to the loans.
- Provided training sessions for new staff members on credit analysis techniques.
Education
Ph.D. -
Gujarat University
08-2023
Chartered Accountant -
ICAI
Ahmedabad05-2013
Master of Commerce -
Gujarat University
Ahmedabad05-2013
Bachelor of Commerce -
Gujarat University
Ahmedabad06-2010
Skills
- Data Interpretation
- Expertise in Financial Analysis
- Fostering Collaborative Partnerships
Timeline
Credit Analyst
Standard Chartered Bank
06.2022 - Current
Credit Analyst
Cosmos Bank
01.2021 - 06.2022
Chartered Accountant
Consultant
01.2017 - 12.2020
Credit Analyst
Kalupur Bank
07.2014 - 01.2017
Ph.D. -
Gujarat University
Chartered Accountant -
ICAI
Master of Commerce -
Gujarat University
Bachelor of Commerce -
Gujarat University
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