Summary
Overview
Work History
Education
Skills
Timeline
Languages
References
Generic
Bhisham Golani

Bhisham Golani

Credit risk professional
Bengaluru,KA

Summary

Financial professional specializing in credit risk management and corporate credit analysis with 9+ years of experience. Actively pursuing mid-to-senior level roles (AVP/VP) in Credit Risk or Corporate Lending to leverage expertise in underwriting, financial reporting, and credit portfolio monitoring. Strong track record of driving value through detailed risk evaluation and team leadership.

Overview

14
14
years of professional experience
3
3
Languages
7
7
years of post-secondary education

Work History

Sr. Associate, Commercial Banking

JP Morgan Chase
04.2019 - Current
  • Conduct comprehensive credit risk analysis for North American commercial banking clients, including business and financial modeling, collateral evaluation, and downside risk assessment.
  • Recommend credit ratings, and independently manage underwriting discussions with Credit Executives and Underwriters.
  • Support transactions, including covenant negotiations, amendments, renewals, and waivers, while ensuring regulatory compliance.
  • Underwrite new deals by building detailed base and stress-case models, and drafting Credit Approval Memos highlighting key risks and mitigants.
  • Proactively flag portfolio risks by monitoring deteriorating financials and collateral metrics.
  • Mentored, trained, and supervised junior analysts, resulting in improved team efficiency and higher analytical accuracy, while fostering a strong culture of collaboration and continuous learning.
  • Implemented AI-driven process improvements that led to significant time savings and increased accuracy in deliverables.
  • Collaborated with cross-functional teams to drive the successful completion of multiple projects aimed at improving efficiency.

Deputy Manager, Corporate Ratings

CARE Ratings
12.2015 - 04.2019
  • Managed credit ratings for mid- to large-sized corporate borrowers across banking, renewable energy, NBFCs, retail, infrastructure, and textiles.
  • Authored comprehensive credit reports with rationale, including business risk assessment, financial profile evaluation, peer benchmarking, and sector outlook.
  • Delivered ratings under strict turnaround timelines, ensuring adherence to regulatory requirements, and company SOPs.
  • Enhanced client understanding of rating sensitivities and sector risks through report findings and presentations.

Assistant Manager, Finance

Torrent Cables Ltd
07.2012 - 11.2015
  • Prepared financial statements (P&L, Balance Sheet, and Cash Flow) to support statutory compliance and business planning.
  • Developed monthly working capital MIS, enabling management to monitor debtor aging, optimize inventory cycles, and strengthen liquidity management.
  • Managed treasury operations, including fixed-income investments, contributing to effective yield optimization and deployment of surplus funds.

Summer Internship

Opulence Business Solutions Pvt. Ltd
05.2011 - 07.2011
  • Supported private equity fundraising activities, and performed valuation, financial modeling, and analysis for mid-sized companies during a summer internship.

Education

Cleared All Three Levels - Investments

CFA Institute
Charlottesville, Virginia, U.S.A
07.2012 - 08.2014

MBA - Finance

Gujarat University
Ahmedabad, India
08.2010 - 07.2012

BBA - Finance

Pune University
Pune, India
07.2007 - 07.2010

Skills

Credit underwriting expertise

Timeline

Sr. Associate, Commercial Banking

JP Morgan Chase
04.2019 - Current

Deputy Manager, Corporate Ratings

CARE Ratings
12.2015 - 04.2019

Cleared All Three Levels - Investments

CFA Institute
07.2012 - 08.2014

Assistant Manager, Finance

Torrent Cables Ltd
07.2012 - 11.2015

Summer Internship

Opulence Business Solutions Pvt. Ltd
05.2011 - 07.2011

MBA - Finance

Gujarat University
08.2010 - 07.2012

BBA - Finance

Pune University
07.2007 - 07.2010

Languages

English
Advanced (C1)
Hindi
Intermediate (B1)
Gujarati
Intermediate (B1)

References

References: Available on request
Bhisham GolaniCredit risk professional