Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Interests
Timeline
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Isha Choudhary

Credit Analyst
GURGAON

Summary

Accomplished more than 8 years of expertise, with consistently rising through multiple challenges. Well versed in financial analysis, credit analysis specialized in MSME corporate segment.

Want to be a part of an organization which offers positive atmosphere to learn new methods of working and gives me an opportunities to work under a management of innovative and inspiring minds and which would groom my innate skills.

Overview

9
9
years of professional experience
3
3
Certifications

Work History

Credit Analyst| Start-ups

State Bank Of India
12.2022 - Current
  • Making decisions and recommendations about extending lines of credit to start-ups
  • Assessing credit risk and analyzing financial statements.
  • Analyzing customer data such as financial statements to determine level of risk involved for extending credit to start-ups
  • Conducting industry research to understand economic conditions impacting borrower ability to repay loans.
  • Collaborating with other teams to identify and mitigate risks impacting organization.
  • Gathering loan documentation for underwriting.
  • Attend credit-related training and conferences to stay informed about industry trends and developments.
  • Understanding credit policies, processes and procedures to maintain compliance with banking regulations and financial statements, which helps in assessing risk.
  • Analyzing creditworthiness of loan applicants and determined credit risk of loan requests.

Credit Analyst

State Bank Of India
08.2020 - 11.2022
  • Made decisions and recommendations about extending lines of credit.
  • Assessed credit risk and analyzed financial statements.
  • Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
  • Collaborated with other teams to identify and mitigate risks impacting organization.
  • Participated in loan committee meetings to provide input on lending processes.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Created credit policies, processes and procedures to maintain compliance with banking regulations.
  • Complied with internal controls and government regulations.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
  • Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.

Relationship Manager

State Bank Of India
01.2018 - 07.2020
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.

Assistant Manager

State Bank Of India
06.2015 - 12.2017
  • Strengthened merchandising and promotional strategies to drive customer engagement and boost sales.
  • Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
  • Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
  • Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
  • Developed strategy to increase sales and drive profits.
  • Supervised day-to-day operations to meet performance, quality and service expectations.

Education

MBA - International Business Management

Symboisis, Center For Distance Learning
Pune
04.2001 -

B.Tech - Computer Science And Programming

Institute of Technology And Management
Gurgaon
04.2001 -

Skills

Credit Reporting

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Accomplishments

· RFIA and Statutory Audits

· Awarded as Top Performer in SME Advances for financial year 2019-20

· Received Various appreciation certificates for cross selling business and target achievements

· Promoted to Manager in April 2023

Certification

Moody's Analytics certification in commercial credit

Interests

Travelling; exploring new places (participated in leh cycling expedition- 150 kms, Completed Hampta trek in Manali at 14000ft) I am an Enthusiastic traveller, I have travelled all over India, 4 other countries and wish to explore the world

Cooking and exploring different cuisines

Event Managing

Meditation

Timeline

Credit Analyst| Start-ups

State Bank Of India
12.2022 - Current

Credit Analyst

State Bank Of India
08.2020 - 11.2022

Relationship Manager

State Bank Of India
01.2018 - 07.2020

Assistant Manager

State Bank Of India
06.2015 - 12.2017

MBA - International Business Management

Symboisis, Center For Distance Learning
04.2001 -

B.Tech - Computer Science And Programming

Institute of Technology And Management
04.2001 -

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Isha ChoudharyCredit Analyst