Microsoft Excel, Finacle and Microsoft Word
Moin Bombaywala
Ahmedabad
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
6
6
years of professional experience
8
8
years of post-secondary education
Work History
Credit Analyst-MEG
Axis Bank
09.2023 - Current
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- CAM Preparation of the units falling under Medium Enterprise Group
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted presentations to upper management and executive teams for loan recommendations.
Credit Analyst-SEG
Axis Bank
02.2022 - 08.2023
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- CAM preparation for the borrowers who are having turnover up to 100 Cr
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Gathered loan documentation for underwriting.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted presentations to upper management and executive teams for loan recommendations.
Internal Audit Manager Retail Liability Audit Group
ICICI Bank Limited
11.2018 - 02.2022
- Facilitated internal audits and prepared detailed reports on findings.
- Independently conducting audit of branches
- Participate in preparation of checklist
- Coordinate with Concurrent auditors
- Finding process gaps and reporting it to management
- Data mining and analytics
Account Executive
F. M Textile
01.2018 - 09.2018
- Recorded and maintained sales prospect and sales data within customer relationship management system.
Education
SSC - Maths
GSEB
Ahmedabad 04.2006 - 04.2007
HSC - Commerce
GSHEB
Ahmedabad 04.2009 - 04.2009
B. Com - Commerce
Gujarat University
Ahmedabad 05.2009 - 04.2012
Chartered Accountant - Commerce
Institute of Chartered Accountant of India
India 05.2014 - 05.2018
Skills
Risk management
Annual Audit Plans
Compliance Monitoring
Internal Controls
Risk Assessment
Audit management
Client relationship management
Financial statement review
CAM Preperation
Pivot table
Vlookup
Additional Information
Personal details
Date of birth : March 21 1992
Languages known : Hindi Gujarati and English
Marital status :Married
Hobbies : Cricket, athletics, Politics
Computer Skills
Proficiency in computer fundamental & operating system windows 7.0 8.0
• Knowledge of Accounting Packages like Tally
• Knowledge of Taxation Package like kitret, Cloud Tax
• Knowledge of MS Word, Excel and Power point.
Knowledge
Banking Sector:
• Preparation and review of various reconciliation statements e.g. Bank, Cash
& Stock.
• Preparation of Long Form Audit Report (LFAR).
• Analysis of stock & stores: – Identification procedures for Slow Moving,
Non Moving and Obsolete items and analysis of Purchase Procedure.
Accounts:
• Deep knowledge about IFRS/Indian AS.
• To prepare Bank Reconciliation.
• To prepare Balance Sheet ,Profit & Loss accounts
• To Advise clients on the better accounting.
Income Tax:
• Preparing Income Tax Return of Individuals, Trusts, Corporate entities,
Proprietary and Partnership Firms.
• Preparing & verifying various Tax Audit Reports (Section 44 AB) under
Income Tax Act, 1961.
• Preparing various work papers regarding scrutiny cases and Income Tax
queries and reply to Income Tax Office
Software
Timeline
Credit Analyst-MEG
Axis Bank
09.2023 - Current
Credit Analyst-SEG
Axis Bank
02.2022 - 08.2023
Internal Audit Manager Retail Liability Audit Group
ICICI Bank Limited
11.2018 - 02.2022
Account Executive
F. M Textile
01.2018 - 09.2018
Chartered Accountant - Commerce
Institute of Chartered Accountant of India
05.2014 - 05.2018
B. Com - Commerce
Gujarat University
05.2009 - 04.2012
HSC - Commerce
GSHEB
04.2009 - 04.2009
SSC - Maths
GSEB
04.2006 - 04.2007