Harshit Puri
Credit Analyst
Kanpur
Summary
Highly dedicated Credit Risk Analyst with valuable hands-on experience proficiently evaluating and analyzing credit risks. Possesses an impressive 3.5-year background in the financial services sector. Demonstrates a proven track record of making sound credit decisions resulted in 90% approval of applications, supported by a keen attention to detail and a comprehensive research skill set. Enthusiastically seeking a challenging position to effectively apply my expertise, optimizing efficiency and accuracy in credit assessments. Available for immediate joining.
Overview
5
5
years of professional experience
5
5
years of post-secondary education
4
4
Certificates
Work History
Credit Analyst
ANZ
02.2022 - 08.2023
- Worked as a Mortgage Underwriter by conducting credit risk analysis including financial statement analysis, credit history, collateral analysis, pricing checks and ratio analysis of home loan buyers
- Reviewed the creditworthiness of counterparties through income documents, financial statements, collateral, credit reports, and other loan documents in adherence to 5 Cs of credit, assessed repayment capacity, also identified potential fraud risks
- Assessed factors such as income stability, valuation risks, collateral, covenants, industry trends, and market conditions to determine credit risk
- Successfully obtained approval for 90% of loan applications, resulting in increased revenue and improved credit risk management
- Prepared credit reports in adherence to bank policies and procedures, utilizing organization-provided tools and software
- Received positive feedback from lenders on successful applications, highlighting exceptional customer service, pro-activeness, strong communication skills, and engaging personality
- Provided outstanding customer service to applicants by promptly addressing inquiries, offering guidance on credit requirements, and assisting with the credit application process, resulting in an increase in customer satisfaction rate and positive feedback
- Maintained professionalism, empathy, and strict confidentiality in all interactions, adhering to Service Level Agreements
- Stayed informed on industry trends, evolving credit assessment methodologies, and emerging risks
- Actively enhanced knowledge and skills related to credit analysis, risk management, and relevant regulations
- Successfully mitigated the Bank's credit risk throughout the role while maintaining a 100% Quality Rating.
Senior Accountant
AGPO Management Services PVT LTD
04.2018 - 03.2020
- Prepared and analyzed financial statements, including Balance Sheets, Income Statements, trail Balance, and Cash Flow Statements, resulted in good organization's financial health and performance
- Implemented internal controls and adhered to processes and policies to safeguard the organization's assets
- Actively participated as a member of the internal audit team and assisted external auditors with reports and business documents, resulting in quick filing before deadlines
- Expertly prepared and reviewed various tax returns, ensuring compliance with tax laws, maintained a high level of accuracy and keen attention to detail
- Proficiently utilized a range of industry software to execute accounting functions, mitigated the errors, and resulted in 0% queries from the department.
Education
MBA in Finance Management & Marketing Management -
Pranveer Singh Institute Of Technology
Kanpur, Uttar Pradesh 07.2020 - 05.2022
Bachelor's Of Commerce - undefined
CSJM University
KANPUR, Uttar Pradesh 04.2017 - 05.2020
Skills
Credit Policy and ProceduresCredit Report writingCredit ResearchCredit Risk AnalysisCredit Risk ManagementCredit UnderwritingEnglish Language ProficiencyFinancial Statement analysisMicrosoft office suiteQuantitative and Qualitative AssessmentAbility to FocusActive ListeningAdaptabilityAnalytical SkillsAttention to detailCollaboration & TeamworkContinuous learningCritical thinkingCustomer ServiceDecision MakingEffective communicationMeeting deadlinesMulti-taskingOrganization skillsProactiveProblem-solvingTime Management
Certification
NISM Series V A Mutual Fund Distributors, 12/01/22, 12/01/24
Timeline
Credit Analyst
ANZ
02.2022 - 08.2023
MBA in Finance Management & Marketing Management -
Pranveer Singh Institute Of Technology
07.2020 - 05.2022
Senior Accountant
AGPO Management Services PVT LTD
04.2018 - 03.2020
Bachelor's Of Commerce - undefined
CSJM University
04.2017 - 05.2020