Moin Ali
New delhi
Summary
Experienced in Commercial Underwriting, Credit Analysis, Post Closing and Merchant Cash Advance with almost 5 years of expertise. Skilled in Report Writing, Financial Statement Analysis, and conducting comprehensive reviews of Income Tax Returns (including IRS forms 1040, 1065, and 1120). Proficient in Ratio Analysis and lending to MSMEs, facilitating well-informed lending decisions.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Sr. Analyst
Anaptyss India pvt Ltd
Gurugram
08.2024 - Current
- Enhanced team productivity by streamlining workflow processes and implementing time-saving strategies.
- Mentored junior analysts, fostering professional development while enhancing overall team performance.
- Collaborated with cross-functional teams to identify areas of improvement, leading to increased operational effectiveness.
- Analyzed data to identify root causes of problems and recommend corrective actions.
- Managed post-closing processes for commercial loans, ensuring accurate documentation, lien perfection, and compliance with regulatory and bank policies.
- Oversaw collateral management, including UCC filings, insurance verification, and periodic audits to secure bank interests on commercial assets.
- Monitored loan covenants and reporting requirements, reviewing borrower financials and maintaining compliance across a portfolio of 50+ accounts.
- Executed post-closing adjustments, reconciling escrow accounts and finalizing working capital true-ups for complex commercial transactions.
- Streamlined post-closing workflows, reducing documentation errors by 20% through improved tracking and communication with internal teams.
Commercial Underwriter, Credit Analyst
Biz2Credit Info Service
Noida
03.2021 - 02.2024
- Analysis of financial statements and borrower's profile to understand financing needs and prepare CAM report for loan approval.
- Review Credit history of Borrower & credit score (Experian) line of credit, revolving credit available , past dues if any.
- Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics
- Review & Check Experian report, clear report, New York court search, Westlaw, secretary of state, uniform commercial code, yelp review, liens & judgment, bankruptcy, and docket search
- Responsible for underwriting New Money, Pre-screen, and reviewing and Modification commercial loans (LOC and Term Loan)
- QC of proposals done by other team members and provide feedback in case any correction is required, or error occurred
- Review Income tax returns (IRS) 1120, 1040, and 1065 of companies and individuals.
- Spreading of financial Statements, Trend analysis, covenants analysis,Variance analysis, and Ratio Analysis.
- Detailed CAM report includes Borrower's profile, financial analysis, Write up on company's financials and Key Ratios, Banking history, Credit report analysis (CIBIL), Debt Structure and SWOT comments
- Reporting of loan data with credit agencies.
- Interaction with various stakeholders for loan decisions and enhancement of credit limits of customers.
- Perform due diligence checks of customer profiles and evaluate loan repayment capacity of borrowers.
- Customer KYC and various backgrounds checks.
- AML , Fraud analysis, detailed Experian report, EDD
- Enabled data-driven decision making by leveraging technology tools like Excel macros or specialized software for more accurate analyses.
- Supported sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Live underwriting, end to end underwriting, 5 c’s of credit i.e Capacity, Credit, Collateral, Conditions and Character.
Process Associate
Genpact India Pvt Ltd
Noida
01.2017 - 02.2018
- Address team queries on daily basis and was recognised for same.
- Diagnosed codes like ICD-10, CPT-4, HCPCS, 1500 and UB04 and other appropriate medical terminology.
- Life cycle of insurance claim (RCM) from patient call to doctor converting it to readable format , coding , Demographic Entry, Charges Entry and Claim generation and submission and payment posting .
- (AR)Follow-up with insurance companies in order to know the status of unpaid claim.
- Denial management, Claims that do not get paid come back as denials from the insurance carriers.
- Insurance Plans, programs and Terminology.(Medicare & medicaid)
- Creating and monitoring process checklists and calendars.
- Works with management to set daily priorities to ensure prompt and efficient service.
- Execute due diligence as per defined process and guidelines.
Education
B. Com (Hons) -
University of Delhi
DelhiSkills
- Financial analysis
- Credit analysis
- Team handling
- KYC verification
- Compliance
- Client relationship management
- Financial statements
- Credit Reporting
- Financial Forecasting
- Risk Assessment
- Cash Flow analysis
- Credit decisions
Certification
FINANCIAL STATEMENT & CREDIT ANALYSIS
Personal Information
Achievements
- Top performer in last 4 months
- Build team of 18 members used to give them training and QC.
- Worked on various projects like PPP, PPP forgiveness, term loan.
- Got rewarded for the best performer.
- Unofficially worked as team leader
Languages
Hindi
First Language
English
Beginner
A1
Timeline
Sr. Analyst
Anaptyss India pvt Ltd
08.2024 - Current
Commercial Underwriter, Credit Analyst
Biz2Credit Info Service
03.2021 - 02.2024
Process Associate
Genpact India Pvt Ltd
01.2017 - 02.2018
B. Com (Hons) -
University of Delhi