Guneet Pal

Highly determined Banker with 2 years of experience, to provide enhanced and stream lined experience to Australian clients. Adept at detailed credit and risk assessment, decorated with proven record of applying analytical and decision-making skills to evaluate a client's financial & credit worthiness. Committed to maintain highest degree of policy compliance and integrity. Keen to explore Financial and Analytics industry.

MDS

• Developing comprehensive checklists to ensure all steps and hygiene checks are diligently followed in the credit assessment process.
• Streamlining procedures for analysts to promote efficiency and maintain consistency across the team.
• Reporting directly to senior management to expedite error resolution and propose improvements for process enhancement.

ROW (Reduction of Withdrawal)

• Conducted audits on over 600 applications to identify and analyze the main causes of withdrawals.
• Formulated strategies to improve communication and address client queries, enhancing overall customer experience and successfully reducing the withdrawal rate of approved applications from 10% to 6%.

AST (Approved Subject to) Application Optimization

• Led efforts to streamline the application approval process by identifying applications with a single condition for approval and reducing touchpoints.
• Identified and prioritized applications with one condition for approval, proactively contacting customers to finalize details and reduce touchpoints from an average of 4 to 2.
• Improved communication efficiency by 30% by scheduling customer callbacks at preferred times during applications.
• Enhanced application processing time and customer satisfaction by enabling faster decision-making and follow-ups.

Financial Statement Analysis

• Conducted comprehensive horizontal and vertical trend analysis on an Indian company, examining financial statements over multiple periods to identify patterns and assess financial health.
• Calculated and interpreted F-scores and Z-scores to evaluate the company's profitability, financial stability, and predict potential bankruptcy risks.

Valuation of Shares 

• Utilized the CAPM model to value shares, significantly enhancing the accuracy of financial analysis.

Analysis with Python

• Produced data analysis using Python, leveraging libraries like Pandas and Matplotlib to clean, visualize, and model data, enhancing decision-making processes.

Data Visualization using Power-Bi 

• Developed interactive dashboards and reports in Power BI, utilizing DAX functions and Power Query to transform raw data into actionable insights, enhancing data-driven decision-making.

• Top performer ANZ, Achieved highest levels of productivity i.e 100 %, while maintaining 80% decision rates and 100% Quality.
• Idea Generation ANZ, Recognized for providing multiple process improvement ideas along with the implementation strategy.

• SQL From Datacamp
• Python from Udemy
• Advance Excel and Powerpoint
• Financial statement Analysis from CFI