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
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
Oral and Written Communications
Financial Statements Expertise
Underwriting
Credit Decisions
Relationship Management
Cash Flow Analysis
Financial Statement Analysis
Risk Assessment
Credit Risk
Data Analysis
Loan Documentation
Credit Analysis
Data Compilation
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
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 -