KEVIN JOSEPH J
Coimbatore
Summary
Dynamic Senior Credit Analyst with extensive experience at Natwest Group, excelling in financial analysis and risk management. Proven track record in stakeholder engagement and strategic decision-making, leading to successful credit assessments and portfolio monitoring. Adept at identifying growth opportunities and implementing effective risk mitigation strategies.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
Natwest Group
Bengaluru, Karnataka
07.2024 - Current
- Performed comprehensive financial and credit analyses to assess business metrics.
Developed understanding of legal, regulatory, and statutory obligations related to risk management.
Utilized excellent communication skills for effective stakeholder engagement.
Acquired knowledge of relevant bank systems and processes to support operations.
Implemented risk management principles to safeguard organizational interests.
Credit Manager
Indian Bank
Tiruppur
04.2023 - 07.2024
- Conducted financial analysis of borrowers to evaluate creditworthiness.
- Performed EWS monitoring to identify potential risks in investment portfolios.
- Validated TEV studies to ensure accurate valuation assessments.
- Executed market analysis to uncover growth opportunities and trends.
- Identified strategic opportunities for new business development.
- Secured in-principle approvals for business offers through thorough documentation.
- Canvassed potential new projects to expand market reach.
- Analyzed project proposals and obtained necessary assessment approvals.
Article Assistant
A.R Jagannathan & Co
02.2019 - 02.2022
- Finalized and prepared financial statements for corporations.
- Developed feasibility reports, project reports, and credit monitoring arrangement statements.
- Led team of four in statutory bank branch audits for fiscal years 2018-19, 2019-20, and 2020-21.
- Conducted tax audits under Income Tax and GST, including filing Forms 3CA, 3CB, 3CD, GSTR 9, and 9C.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
11.2022
B. Com - Professional Accounting
Sri Ramakrishna College of Arts and Science
05.2020
Class XII -
GRG MHSS
03.2017
Class X -
CMS MHSS
03.2015
Skills
- Communication skills
- Credit assessment
- Financial analysis
- Portfolio monitoring
- Stakeholder engagement
- Risk management
- Financial reporting
- Collaboration
- Decision-making
- Leadership abilities
- Negotiation expertise
Certification
- Cleared 1st Level in Diploma in Lending Skills from Standard Chartered Institute
- Scored point 9 points out of 12 in Standardized Test of English Proficiency (STEP - The Hindu Group) course organized by Sri Ramakrishna College of Arts and Science.
- Secured 60 % in NPTEL course.
- Participated in National SICASA conference conducted by Institute of Chartered Accountants of India.
Accomplishments
- Cleared CA Final in Nov 2022 with 60+ marks in Financial Reporting and Economic Law.
- Cleared CA Intermediate in November 2018 with 60+ marks in Advanced Accountancy and Financial Management & Economics.
- Scored cent percent mark in 3 subjects in Class X and Class XII.
- Cleared Grade 8 in keyboard (musical instrument) examination conducted by Trinity College of London.
- Won 1st place as a team in Intra Collegiate Quiz Competition on Indian Constitution conducted by Department of Management Sciences (UG) - Sri Ramakrishna College of Arts & Science.
- Won 2nd place in Keyboard (Musical Instrument) in district level inter school competition conducted by Board of Higher Secondary Education, Tamil Nadu.
Hobbies and Interests
- Preparation of Financial Reports
- Analysis of Financial Statements
- Auditing
- Taxation
Languages
- English, Professional Working Proficiency
- Tamil, Professional Working Proficiency
Personal Information
Date of Birth: 04/20/99
Languages
Tamil
First Language
English
Proficient (C2)
C2
Timeline
Senior Credit Analyst
Natwest Group
07.2024 - Current
Credit Manager
Indian Bank
04.2023 - 07.2024
Article Assistant
A.R Jagannathan & Co
02.2019 - 02.2022
Chartered Accountant -
Institute of Chartered Accountants of India
B. Com - Professional Accounting
Sri Ramakrishna College of Arts and Science
Class XII -
GRG MHSS
Class X -
CMS MHSS
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