Kartik Arora

As a Credit Analyst, I specialize in evaluating clients’ financial statements to assess creditworthiness. I use advanced Excel modeling for data analysis and visualization. My role includes determining loan limits, preparing and reviewing loan documentation, and assisting in client meetings. I excel in managing tasks efficiently within a 4 to 12-hour turnaround time, ensuring accuracy and compliance.

• Conducted thorough analysis of financial statements, including balance sheets and profit & loss statements, to evaluate clients’ creditworthiness, analyzing over 100 financial statements monthly.
• Applied financial ratios (e.g., current ratio, debt-to-equity ratio, gearing ratio) to perform detailed financial assessments, achieving an accuracy rate of 98% in credit evaluations.
• Determined appropriate loan limits based on comprehensive financial analysis and risk evaluation, approving loans worth up to INR 6 crore.
• Utilized advanced Excel modeling for precise data analysis and insightful visualization, reducing data processing time.
• Assisted senior management in client meetings, presenting key financial insights and addressing critical banking matters
• Collaborated effectively within a team to facilitate the granting of working capital investments ranging from INR 50 Lakhs to INR 6 crore, successfully managing a portfolio of INR 50 crore
• Regularly assess client, business, and regulatory needs and identify necessary changes
• Plan and execute projects to increase firm profitability, and adhere to new compliance guidance.