Moin Ali
Credit analyst , Commercial Underwriter
New delhi
Summary
Total 4 years of experience, 3 years of experience in Credit Analysis, Credit Underwriter, Commercial lending, Merchant Cash Advance, Report Writing, Financial statement Analyst, Review Income tax return (IRS form 1040, 1065 ,1120), Ratios analysis ,Lending to MSME.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Analyst, Commercial Leding
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 & 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, Variance analysis, and Ratio Analysis.
- Review Credit history of Borrower
- 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.
- Commercial banking.
- 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.
Process Associate
Genpact India Pvt Ltd
Gurgaon
01.2017 - 02.2018
- Address team queries on daily basis and was recognized for same
- Worked upon customers queries for amendment policies like cancellation and refund for same
- 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.
- Modification and amendments of policies
- Cancellation and backdated refund of policies through ACH , cheques and debit cards.
Education
B. Com (Hons) -
University of Delhi
Delhi 01.2013 - 04.2016
Skills
Strategic thinking
Financial analysis
Credit analysis
Team handling
KYC verification
Compliance
Client relationship management
Financial statements expertise
Credit Reporting
Financial Forecasting
Risk Assessment
Cash Flow analysis
Credit decisions
Certification
FINANCIAL STATEMENT & CREDIT ANALYSIS
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
Timeline
Credit Analyst, Commercial Leding
Biz2Credit Info Service
03.2021 - 02.2024
Process Associate
Genpact India Pvt Ltd
01.2017 - 02.2018
B. Com (Hons) -
University of Delhi
01.2013 - 04.2016