DEEPAK KUMAR
Shimla
Summary
Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought. Meticulous Credit Analyst promoting a background in credit bureau report reviews and communicating with commercial clients. Experienced in credit approvals and limits. Offering a successful career history spanning several years.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Analyst, SMELF
Bank of Baroda
Shimla
04.2019 - Current
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources (Such as Probe 42 / MCA).
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Engaged in continuous learning to stay updated on best practices in credit analysis and financial modeling.
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Conducted detailed financial analysis on clients to assess creditworthiness and recommend credit limits.
- Analyzed clients' financial statements, market conditions, and industry trends to evaluate risk.
Education
Chartered Accountant -
ICAI
Delhi, DL05-2018
Skills
- Data Analysis
- Cash Flow analysis
- Risk Assessment
- Credit decision making
- Credit analysis
- Risk mitigation strategies
- Financial Forecasting
- Financial statement review
Accomplishments
- Recognized by Zonal / Regional Authorities for Excellent Performance in Credit Processing and meeting targets
Languages
Hindi
First Language
English
Proficient (C2)
C2
Punjabi
Advanced (C1)
C1
Certification
- JAIIB & CAIIB
Timeline
Credit Analyst, SMELF
Bank of Baroda
04.2019 - Current
Chartered Accountant -
ICAI
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