CA HITESH WALDE
Marol, Andheri East, Mumbai
Summary
Credit Risk Analyst
Professional credit processing analyst with proficient knowledge with 5+ years in assessing the credit-worthiness of corporate clients by conducting detailed financial analysis and credit risk assessment. Strong current knowledge of compliance and legal issues involved in credit approval.
Overview
6
6
years of professional experience
2015
2015
years of post-secondary education
Work History
Chief Manager
IndusInd Bank
Mumbai
04.2025 - Current
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess credit risk.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Communicated findings to assit decison-making and provided recommendations regarding loans applications based on sound credit evaluation principles.
- Engaged in continuous learning to stay updated on best practices in credit analysis and financial modeling.
Manager
IndusInd Bank
Mumbai
02.2023 - 04.2025
- Performed annual account credit limit reviews and credit enhancement review requests.
- Managed a portfolio of corporate clients, regularly reviewing credit limits to align with changing risk profiles.
- Analyzed applicants' financial status, credit and property evaluations to determine loan feasibility.
- Reviewed credit applications and performed credit checks following evaluation procedures.
- Adhered to banking standards and government lending guidelines for loan services.
- Negotiated terms with clients and stakeholders to mitigate credit risk while maintaining positive business relationships.
- Advised customers on best available loan products and credit options.
Credit Manager
Bank of Baroda
Mumbai
07.2020 - 02.2023
- Prepare Credit Monitoring Arrangement (CMA), conduct due diligence and draft report for making decision on approving / advancing credit facilities
- Present to Bank’s Credit Management Committees, credit viability of corporate clients of the Bank by delivering a comprehensive and coherent counterparty credit risk analysis
- Credit assessment of such clients by scrutinising not limited to their business reports, financial statements, tax returns, valuation reports, audit reports and inspection reports but also addressing industry and credit risks to make sound credit decisions within established guidelines of the Bank & RBI to minimize the risk of Non-performing Asset (NPA).
Education
Chartered Accountant - Finance
Institute of Chartered Accountants of India
Mumbai, India 11.2013 - 11/2019
Master of Commerce - Finance
University of Mumbai
Mumbai, India 07.2015 - 02.2017
Bachelor of Commerce - Finance
University of Mumbai
Mumbai, India 04.2012 - 06.2015
Atomic Energy Central School
Palghar, IndiaSkills
- Financial Analysis
- Financial Ratio Analysis
- Fund Flow / Cash Flow Analysis
- Credit Analysis
- Credit Due Diligence
- Credit Rating
- Credit Decision Making
- Credit Compliance
- Advance MS-Excel
Timeline
Chief Manager
IndusInd Bank
04.2025 - Current
Manager
IndusInd Bank
02.2023 - 04.2025
Credit Manager
Bank of Baroda
07.2020 - 02.2023
Master of Commerce - Finance
University of Mumbai
07.2015 - 02.2017
Chartered Accountant - Finance
Institute of Chartered Accountants of India
11.2013 - 11/2019
Bachelor of Commerce - Finance
University of Mumbai
04.2012 - 06.2015
Atomic Energy Central School