Damini Singh V S
CREDIT ANALYST
Summary
Accomplished Credit Analyst with a proven track record at Wells Fargo, adept in financial statement analysis and enhancing credit risk assessment. Excelled in mentoring junior analysts and resolving customer disputes, showcasing strong verbal communication and data interpretation skills. Demonstrated ability to improve financial understanding, contributing to significant risk mitigation efforts. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
4
4
years of professional experience
Work History
Credit Analyst, Assistant Manager
HSBC Bank
06.2023 - Current
- Investigated and resolved customer disputes related to credit decisions.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Performed credit reviews on corporations to assess financial conditions.
- Improved understanding of financial statements, which helped in assessing risk.
Credit Analyst
Wells Fargo
12.2020 - 06.2023
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
Education
PGDM - Finance, Accounts And Taxation
Kristu Jayanti College of Autonomous
Bengaluru, India 04.2001 -
MBA - Finance, Accounts And Taxation
BISHOP COTTON WOMENS CHRISTIAN COLLEGE
Bengaluru, India 04.2001 -
Skills
Proficient in MRA, Optimist
Underwriting
Financial Forecasting
Verbal and written communication
Financial statement analysis
Data Interpretation
Credit risk
Cash Flow analysis
Financial statement review
Timeline
Credit Analyst, Assistant Manager
HSBC Bank
06.2023 - Current
Credit Analyst
Wells Fargo
12.2020 - 06.2023
PGDM - Finance, Accounts And Taxation
Kristu Jayanti College of Autonomous
04.2001 -
MBA - Finance, Accounts And Taxation
BISHOP COTTON WOMENS CHRISTIAN COLLEGE
04.2001 -
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