Kumar Ravishu
Credit Analyst II Chartered Accountant
New Delhi
Summary
Highly trained Credit Analyst offering excellent skills in managing issues, updating files, and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought.
Overview
5
5
years of professional experience
Work History
Credit Analyst
ICICI Bank
10.2022 - Current
- Conducted sourcing, assessing, and credit appraisal for New Mid and Large Corporate business with an average credit portfolio of Rs. 40 crores
- Managed existing portfolio of Rs. 200 crores (Fund & Non-Fund Based), conducting due diligence and quarterly/monthly inspections
- Analyzed financial data for 50+ client portfolios, assessing creditworthiness and providing risk recommendations
- Prepared Ratio Analysis, Cash flow statement, and Fund flow statement for credit assessments
- Oversaw post-sanction monitoring of accounts, conducting periodic reviews and managing stress accounts
- Drafted written credit approvals and denials for client applications
- Collaborated with legal, technical, FI, and Risk Containment Unit agencies for file processing and documentation.
- Conducted detailed financial analysis on clients’ creditworthiness to assess risk and make recommendations for lending decisions.
- Prepared comprehensive credit reports summarizing key financial metrics, industry trends, and market conditions to support loan approval process.
- Collaborated with sales team to evaluate potential clients’ credit profiles and negotiate terms to mitigate risk and maximize profitability.
- Managed portfolio of existing clients, monitoring credit performance and conducting regular reviews to identify potential risks and opportunities for growth.
Audit Assistant
Bansal & Co. LLP
06.2022 - 09.2022
- Leading, Supervising, Coaching, allocation and reviewing the work of team members and ensuring the work is completed with utmost quality.
- In charging different audit engagements and assisting in the formulation of audit strategy of audited entities and then directly reporting to Senior Managers and Partners.
- Performing process walkthroughs, flow charting and ensuring D&I and Test of Operating effectiveness of Internal Controls, Checking compliance of the financial statements with accounting reporting standards.
- Collaborated with team members to analyze financial data and assess internal controls for accuracy and compliance
Article Trainee
Bansal & Co. LLP
04.2019 - 04.2022
- Conducted Statutory Audits for 25+ clients in diverse industries, such as NBFCs, Banks, Construction, Electric Power, and Indian Accounting Standards sectors
- Applied auditing principles and techniques to ensure accuracy and compliance.
- Communicated audit findings to clients and management, providing recommendations for improving processes and controls.
- Conducting Tax Audits and preparation of Tax Audit reports (Form - 3CA/3CB and 3CD);
- Preparation and Finalization of Income tax return of corporates, Firms & Individuals
Education
Chartered Accountant -
ICAI
New Delhi, India 04.2001 -
B.Com - Financial Accounting And Auditing
University of Delhi
New Delhi 04.2001 -
12th - PCM
D.A.V. Public School
Jharkhand, India 04.2001 -
Skills
- Communication Skills
- Financial Modelling
- Financial Analyst
- Quantitative Analysis
- Analytical and critical thinking skills
- Microsoft office and Adobe Suite
- Business Acumen
Accomplishments
Member of Disciplinary Committee in School
Hobbies
Travelling,Cooking,Reading
Timeline
Credit Analyst
ICICI Bank
10.2022 - Current
Audit Assistant
Bansal & Co. LLP
06.2022 - 09.2022
Article Trainee
Bansal & Co. LLP
04.2019 - 04.2022
Chartered Accountant -
ICAI
04.2001 -
B.Com - Financial Accounting And Auditing
University of Delhi
04.2001 -
12th - PCM
D.A.V. Public School
04.2001 -
Similar Profiles
Edison Ravi KoilpillaiEdison Ravi Koilpillai
IT Technical Sourcer Recruiter at Skillmine Technology Consulting Pvt Limited, ICICI Bank, ICICI Securities, ICICI PrudentialIT Technical Sourcer Recruiter at Skillmine Technology Consulting Pvt Limited, ICICI Bank, ICICI Securities, ICICI Prudential
VISAL VIJAYAKUMARVISAL VIJAYAKUMAR
DEVELOPMENT OFFICER at ICICI FOUNDATION FOR INCLUSIVE GROWTH, ICICI BANKDEVELOPMENT OFFICER at ICICI FOUNDATION FOR INCLUSIVE GROWTH, ICICI BANK
SANTOSH GUPTASANTOSH GUPTA
Mortgage Relationship Manager at ICICI Securities Ltd (Transferred to ICICI Bank Ltd.))Mortgage Relationship Manager at ICICI Securities Ltd (Transferred to ICICI Bank Ltd.))
Mohammad Kaif ShaikhMohammad Kaif Shaikh
Relationship Manager at ICICI BankRelationship Manager at ICICI Bank
Manav SaxenaManav Saxena
Technical Lead at Digicommerce Solution LLPTechnical Lead at Digicommerce Solution LLP