Bike Riding, Reading Financial news
Mallikarjun Mantagonda
Credit Risk Analyst
Bengaluru,Karnataka
Summary
Seasoned Credit Risk Analyst with expertise in evaluating corporate entities' financial health and assigning credit ratings. Skilled in analyzing financial statements, cash flows, and key performance metrics to assess creditworthiness and risk exposure and presenting findings to decision-making committees. Proficient in collaborating with stakeholders to gather accurate financial data and ensuring timely credit evaluations.
Overview
7
7
years of professional experience
7
7
years of post-secondary education
1
1
Language
Work History
Credit Risk Analyst
JPMorgan Chase
Bengaluru
06.2020 - Current
- • Independently prepared Credit Analysis on Assigned Clients - Covering macro-overview, Industry/Sector, Business and Financial statements analysis for Middle Market clients ( Client Exposure less than $5-$10MM)
- • Preparation and review of credit papers ( Credit Approval Package )
- • Recommended changes to credit ratings and amendments to facilities. Complete Annual reviews for assigned portfolio, new product onboarding, renewals and modifications of exiting facilities.
- • Assist in negotiation and finalizing documentation ( Credit Agreements and amendments )
- • Reviewing ongoing client reporting to check for completeness and accuracy of financial calculations including covenants and collateral value • Fundamental understanding of Loss Given Default (LGD), Probability of Default (PD), and Expected Credit Loss (ECL) concepts
- • Basic Knowledge related to Accounting Standards Foundational understanding of ISDA (International Swaps and Derivatives Association) and CSA (Credit Support Annex)
Credit Analyst
Standard Chartered Bank
Bengaluru
11.2017 - 06.2020
- Conduct in-depth Financial Statement Analysis (balance sheets, income statements, cash flows) and Ratio Analysis (liquidity, profitability, solvency) to evaluate client performance and creditworthiness.
- Conducted Drawing Power (DP) calculations to determine borrowers' eligibility for working capital finance.
- Perform comprehensive Working Capital Appraisal by analyzing financial statements, operational cycles, and cash flow trends to determine accurate funding requirements and recommend credit facilities tailored to borrower needs.
- Assess Current Asset and Current Liability Structure, including receivables, inventory, and payables, while conducting detailed Ratio Analysis (e.g., current ratio, inventory turnover) to evaluate liquidity, repayment capacity, and alignment with credit policies and regulatory frameworks.
Education
Master Of Business Administration - Finance And Banking
Acharya Bangalore B School
Bangalore 06.2015 - 06.2017
Bachelor Of Commerce - Finance
SVM ( Affiliate To RCUB Belgavi )
Ilkal 04.2012 - 04.2015
Pre University Education - Commerce And Finance
Vijay Mahantesh PU College
Ilkal 04.2010 - 03.2012
Skills
Technical Skills ( MS Excel and Tableau )
Interests
Timeline
Credit Risk Analyst
JPMorgan Chase
06.2020 - Current
Credit Analyst
Standard Chartered Bank
11.2017 - 06.2020
Master Of Business Administration - Finance And Banking
Acharya Bangalore B School
06.2015 - 06.2017
Bachelor Of Commerce - Finance
SVM ( Affiliate To RCUB Belgavi )
04.2012 - 04.2015
Pre University Education - Commerce And Finance
Vijay Mahantesh PU College
04.2010 - 03.2012
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