FAHEEM AHMAD
GHAZIABAD
Summary
Dedicated professional with over 4 years of experience in the financial industry. Fast learner who achieved quick promotion due to technical knowledge and personable traits. Skilled in communication, financial analysis, credit assessment, legal and technical aspects of property papers, credit underwriting, and loan recommendation up to 20 Lacs. Proficient in Microsoft Excel, PD Genie Software, ILENSE Software (ICICI Bank), and LOS systems such as Ilens and Synofin. Strong numeracy and analytical skills with knowledge of various industries and sectors. Effective team player and self-motivated to complete projects independently.
Overview
4
4
years of professional experience
Work History
Credit Analyst
Sigeedge Consulting Pvt Ltd
New Delhi
08.2021 - 05.2023
- Conduct personal discussions with applicants to understand their businesses
- Analyze financial statements and other documents provided by applicants
- Conduct thorough fraud analysis to detect potential misrepresentations
- Assess applicants' liquidity and repayment capacity
- Perform comprehensive credit assessments to ensure sound credit decision-making
- Prepare detailed credit reports for submission to lending institutions
- Prepare Credit Approval Memos (CAM) for loan recommendations up to 20 Lacs
- Analyze Cibil reports and banking statements for credit evaluation
- Calculate FOIR (Fixed Obligation to Income Ratio) for creditworthiness assessment
- Collected and organized loan documents before submission to underwriting.
- Leveraged [iLENS] skills to input and compile data gathered from various sources.
Credit Analyst
GKC Management Services Private Limited
New Delhi
02.2019 - 08.2021
- Conducted personal discussions to understand clients' businesses during PD timing
- Analyzed business information provided by applicants during PD
- Conducted fraud analysis to identify any misrepresentations made by applicants
- Calculated unbilled amounts accurately and entered them into the computer
- Analyzed bank statements to determine the applicant's end-use of funds
- Collaborated with colleagues to complete projects on time and to a high standard
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Collected and organized loan documents before submission to underwriting.
Education
Post Graduate Diploma - Management
IGNOU
01.2016
Bachelor of Arts - English
C.C.S University
01.2014
12th Grade -
01.2009
High School Diploma -
01.2007
Skills
- Excellent communication skills
- Advanced proficiency in Microsoft Excel
- Familiarity with PD Genie Software and ILENSE Software (ICICI Bank)
- Strong numeracy and analytical skills
- Knowledge of various industries and sectors
- Legal and technical aspects of property papers
- Credit underwriting
- Loan recommendation up to 20 Lacs
- Understanding of financial and GST concepts
- Cibil Report analysis
- Banking statement understanding and analysis
- FOIR (Fixed Obligation to Income Ratio) calculation
- Knowledge of LOS systems such as Ilens and Synofin
- Oral and Written Communications
- Banking Regulations
- Information Verification
- Financial Statement Review
- Critical Thinking
- Active Listening
- Good Work Ethic
- Basic Math
Interests
INTERESTS , Reading Books and Travelling to Different Places
Languages
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Judge a man by his questions rather than his answers.
Voltaire
Timeline
Credit Analyst
Sigeedge Consulting Pvt Ltd
08.2021 - 05.2023
Credit Analyst
GKC Management Services Private Limited
02.2019 - 08.2021
Post Graduate Diploma - Management
IGNOU
Bachelor of Arts - English
C.C.S University
12th Grade -
High School Diploma -
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