Kreti Kathuria
Noida
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation, reviewing financials to determine the level of risk involved. Offering excellent time management and interpersonal skills, conducting training and bringing risk mitigating solutions.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
HDFC BANK LTD
06.2023 - Current
- Credit analyst professional, reviews financial statements of Corporate clients, evaluating risks involved, collaborating with multiple cross - functional teams to mitigate credit risks, preparing Underwriting reports and recommendations
- Handling credit team of LAP product at present
- Ensuring compliance of policies, procedures and regulations
- Developing strategies with policy team to improve quality of assessment, recommendations as per latest Industry trends
Audit Manager
ICICI BANK LIMITED
06.2019 - 05.2023
- Analyzed and took insights out of inbound bureau data for Credit & Fraud Risk modelling
- Audited credit lending basis and ensured compliance of credit policies, had expertise in unsecured sector majorly
- Ensured delivery of Audit Report basis sampled data, conducted training and discussion on requirements of policies in order to reduce error rate
- Handled team of seven audit associates
Audit Executive
Lochan & CO
03.2019 - 05.2019
- Procurement audit of World Bank and Asian Development Bank
- Risk Analysis
- Data Analysis & Summarisation.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
New Delhi, IndiaSkills
- Policy Analysis
- Financial Audit
- Credit Risk Assessment
- Internal Control
- Critical Thinking
- Communication Skills
- Interpretation of Financial Reports
- Interactive and confident
- Team Collaboration
- Frauds Identification
- Audit documentation
- Loan structuring
- Financial statement auditing
- Credit decisions
Certification
- Certification in IFRS 9
- Advance IT certification
- Orientation Programme by ICAI
- Advance Excel Course
Accomplishments
- Scored 80 marks in Financial Reporting
- Got Exemption in ISCA
- Identified frauds
Articleshipexperience
Completed Articleship from Ghaziabad based firm Navin Pahawa & CO. established in 1999, learned accounting and taxation services and performed Statutory and Internal Audit of various Government, Bank and Real Estate clients
Key clients are undermentioned
- Punjab National Bank
- Syndicate Bank
- Panchsheel Builders
- Bank of Baroda Audit
Timeline
Senior Credit Analyst
HDFC BANK LTD
06.2023 - Current
Audit Manager
ICICI BANK LIMITED
06.2019 - 05.2023
Audit Executive
Lochan & CO
03.2019 - 05.2019
Chartered Accountant -
Institute of Chartered Accountants of India
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