Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic
JYOTI BATLI

JYOTI BATLI

Summary

Knowledgeable financial professional experienced in assessing credit viability for commercial borrowers. Good organizational and critical thinking skills. Offering 2 years of related experience.

Overview

5
5
years of professional experience

Work History

EXPERIENCECredit Analyst

JPMORGAN CHASE
06.2019 - 06.2021
  • Conducted thorough credit analysis and covenant testing, ensuring adherence to regulatory guidelines and validating the effectiveness of the Corporation’s credit rating system.
  • Managed risk ratings across diverse financial products, including Term Loans and Commercial Cards, ensuring compliance with BASEL II AIRB guidelines.
  • Monitored a robust portfolio of 25+ clients, consistently meeting Service Level Agreements (SLAs) and Business as Usual (BAU) targets.
  • Analyzed comprehensive financial statements with a focus on collateral and security requirements, preparing detailed credit notes for approvals and ongoing monitoring.
  • Led market research on industry trends and regulatory changes, providing strategic insights for decision-making aligned with business unit goals.
  • Fostered strong relationships with Underwriters and Credit Executives, ensuring compliance with credit policies and regulatory standards.
  • Mentored analysts in spreads and covenants, emphasizing efficiency and compliance in line with internal credit policies and federal/state banking laws.

GAP
07.2021 - Current
  • Focused on family care during this period
  • Elevated emotional intelligence, empathy, and communication skills
  • Developed strategies for creating positive work environments

Education

MBA - Finance

St. Joseph Institute Of Management

B.E - Electronics and Communication

Sapthagiri College of Engineering
2014

Skills

TECHNICAL SKILLS

  • Financial Statement Analysis
  • Ratio Analysis, Cash flow Analysis
  • Credit Risk Analysis
  • Credit Rating
  • Forecasting
  • Industry and Business Risk Assessment
  • Management Risk Assessment
  • Financial Risk Assessment
  • Integrated Analysis and Decision-Making
  • Risk Mitigation through loan structure
  • Monitoring Loan Integrity
  • Proficient in Excel, PPT and MS Word

SOFT SKILLS

  • Documentation and Organization skills
  • Strong communication and Interpersonal Skills
  • Teamwork and Collaboration
  • Friendly, Positive Attitude
  • Problem-Solving
  • Attention to Detail

Accomplishments

Certificate in Commercial Credit by Moody's Analytics (04/2024 – Present)

  • Learned skills including - evaluating commercial loans, early credit assessment, industry and management risk, financial analysis, integrated decision-making, and structuring loans to mitigate credit loss risk, with strong skills in cash flow analysis
  • Proficient in credit risk management, identifying early warning signals, monitoring loan integrity, managing problem loans, and recovering loans through business viability and debt restructuring assessments


Financial Modeling and Analysis Certification Course by Upgrad in collaboration with PWC (01/ 2024 – 06/2024)

  • Learned skills including financial modeling, forecasting, capital budgeting, data analysis and visualization using Tableau and Power BI

Completed projects:

  • Analyzed the financial statement Analysis of the top 5 companies in the capital goods industry to identify the most attractive companies from an investment perspective.

Timeline

GAP
07.2021 - Current

EXPERIENCECredit Analyst

JPMORGAN CHASE
06.2019 - 06.2021

MBA - Finance

St. Joseph Institute Of Management

B.E - Electronics and Communication

Sapthagiri College of Engineering

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JYOTI BATLI