Karthik M N
Bangalore
Summary
Finance professional with 2.5 years of experience in credit underwriting, specialising in credit operations,financial statements analysis, loan servicing, and risk assessment. Proven track record in evaluating credit profiles, crafting insightful credit reports, and ensuring strict regulatory compliance. Highly skilled in banking analysis, financial data analysis, customer experience enhancements, and financial ratio analysis. Currently pursuing an MBA in Finance to sharpen strategic thinking and elevate financial decision-making expertise
Overview
2
2
years of professional experience
1
1
Certification
Work History
Junior Analyst(Credit Operation)
Shift Financial Pty Ltd(ABI)
Bangalore
02.2023 - Current
- Conducted end-to-end credit underwriting for Australian SMEs, assessing creditworthiness based on financial performance, business stability, and risk exposure.
- Prepared detailed credit assessment memos (CAMs) in Salesforce, incorporating financial statement analysis, data assessment, cash flow analysis, and debt-serviceability evaluation.
- Investigated bank statements, tax returns, financial statements, and KYC to determine applicants’ repayment capacity and credit risk.
- Incorporated Dupont Analysis to evaluate financial efficiency, return on equity, and profitability for better credit decision-making, demonstrating acute judgment in every evaluation.
- Applied the G-Score Model to assess financial distress and predict business sustainability within a Fintech framework, all while focusing on process improvement in each phase.
- Implemented Probability of Default (PD) Analysis to categorise borrowers into risk tiers and enhance loan approval accuracy, thus improving overall service level.
- Coordinated with senior underwriters and credit committees to facilitate decision-making and approve loan applications, showcasing a passion for exceptional customer service and communication.
Education
Bachelor of Commerce - General Accounting
St Joseph's First Grade College
Mysore09-2020
Master of Business Administration(MBA) - Finance & Operational Management
University of Mysore
Skills
- Credit Underwriting
- Financial Statement Analysis
- Banking analysis
- Cash flow analysis
- Salesforce CRM
- Microsoft Excel - Basic functions
- Tally ERP
Certification
- Credit Risk Analysis and Rating (for Bankers) — (Udemy)
- Accounting and Financial Statement Analysis (Go1)
- Anti-bribery and Corruption (Go1)
- Anti-money Laundering (Go1)
- Forecasting and Budgeting (Go1)
- Linguaskill Examination by Cambridge – C1 Grade
Accomplishments
· Processed over 150 credit assessments monthly with 98% accuracy, enabling faster loan approvals and minimizing rework
· Optimized loan underwriting processes, reducing approval turnaround time by 20% through targeted workflow improvements
Languages
Kannada
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Malayalam
Proficient (C2)
C2
Timeline
Junior Analyst(Credit Operation)
Shift Financial Pty Ltd(ABI)
02.2023 - Current
Bachelor of Commerce - General Accounting
St Joseph's First Grade College
Master of Business Administration(MBA) - Finance & Operational Management
University of Mysore
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