Moin Ali

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.