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
Expert in financial statement analysis
Attention to detail
Proficient in managing risk and credit discussions
Enhancing accuracy and efficiency in credit analysis
MS office
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