Khasheen Fathima R
Credit Analyst
Chennai
Summary
Results-driven Credit & Rating Analyst with over 3 years of experience in credit evaluation, risk assessment, and financial statement analysis. Demonstrated ability to effectively assess risk, generate comprehensive credit reports, and provide valuable support for strategic lending decisions made by banks and NBFCs. Currently in the process of relocating to Muscat and actively seeking credit and risk roles, with a particular interest in Islamic banking and Sharia-compliant finance. Proficient in risk management, compliance, and structured finance solutions. Enthusiastic about contributing expertise to a dynamic financial institution in Oman.
Overview
3
3
years of professional experience
3
3
years of post-secondary education
4
4
Languages
Work History
Rating Analyst
Mizuho Global Services
04.2024 - 02.2025
- Prepared detailed credit rating assessment reports for customers from Singapore, ICBD, and Hong Kong regions, ensuring thorough risk evaluation and accurate ratings
- Conducted comprehensive reviews of customer files and source systems to extract key data for annual credit evaluations
- Analyzed financial statements, including audited accounts and projections, to derive critical metrics and assess borrowing risks effectively
- Managed the preparation of quantitative rating sheets and customer categorization sheets, enabling precise and compliant classifications
- Developed detailed reports summarizing profit and loss accounts, repayment capacities, and balance sheets, while identifying key cash flow movements
- Calculated shareholder equity by incorporating unrealized gains/losses to aid strategic decision-making
- Enhanced rating accuracy by conducting thorough research and analysis of financial data.
- Achieved high levels of accuracy in ratings by diligently reviewing quantitative and qualitative factors affecting issuers'' creditworthiness.
- Participated in cross-functional projects aimed at enhancing internal tools and platforms used for rating generation and monitoring purposes.
Analyst - Credit
Vivriti Capital Private Limited
05.2022 - 10.2023
- Generated detailed reports encompassing company and director profiles, integrating crime verification findings to bolster due diligence procedures
- Conducted thorough examinations to evaluate the creditworthiness of both companies and directors
- Scrutinized Balance Sheets submitted for accuracy by cross-referencing information on the MCA site
- Utilized GST and EPF checks to evaluate the liquidity status of companies
- Collaborated in crafting Client Management Risk Statements (CMRS) and Portfolio Cuts Statements, streamlining data transcription and standardization processes
- Assisted in the creation of regular reports essential for daily credit assessments and strategic planning purposes
- Analyzed bank statements and GSTR data to identify significant adverse findings
- Compiled and analyzed client-provided data for various purposes including examining borrowing profiles, revenue trends, and financial ratios
- Produced Credit Information Reports (CIR) and maintained databases to ensure data accuracy and completeness
- Uphold compliance with regulatory standards and internal policies during the credit underwriting process
- Engaged in client monitoring calls and participated in Client Due Diligence activities, while also contributing to ongoing corporate portfolio quality assessments
- Played an active role in fostering a culture of continuous improvement by evaluating existing processes and suggesting enhancements to boost the efficiency and effectiveness of the credit department and internal controls
Accounts Executive
Green Pearl Education Management Corporation Pvt. Ltd.
12.2020 - 09.2021
- Company Overview: (SRM Group)
- Project Accounts (Record to Report)
- Statutory Compliances
- Bank and Project Reconciliations
- Budgetary Controls and MIS
- (SRM Group)
Education
CA Inter- Group 1 -
The Institute of Chartered Accountants of India
06.2014 - 11.2016
Bachelors in Commerce - undefined
University of Madras
06.2014 - 06.2017
CMA Inter (Both) - undefined
Institute of Cost and Management Accountant
Masters in Commerce - undefined
Justice Basheer Ahmed Sayeed College for Women
12.2017 - 01.2020
Financial Modelling and Valuation - undefined
NSE Academy
Research Analyst - undefined
National Institute of Securities Market
Islamic Banking: Principles, Practices and Risk Management - undefined
The Islamic Research and Training Institute
Skills
Credit Risk Evaluation
Timeline
Rating Analyst
Mizuho Global Services
04.2024 - 02.2025
Analyst - Credit
Vivriti Capital Private Limited
05.2022 - 10.2023
Accounts Executive
Green Pearl Education Management Corporation Pvt. Ltd.
12.2020 - 09.2021
Masters in Commerce - undefined
Justice Basheer Ahmed Sayeed College for Women
12.2017 - 01.2020
CA Inter- Group 1 -
The Institute of Chartered Accountants of India
06.2014 - 11.2016
Bachelors in Commerce - undefined
University of Madras
06.2014 - 06.2017
CMA Inter (Both) - undefined
Institute of Cost and Management Accountant
Financial Modelling and Valuation - undefined
NSE Academy
Research Analyst - undefined
National Institute of Securities Market
Islamic Banking: Principles, Practices and Risk Management - undefined
The Islamic Research and Training Institute
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