Monika Khanna
Senior Underwriting Analyst
Gurugram
Summary
Detail-oriented and results-driven financial professional with CFA Level 2 certification and a solid background in financial analysis and credit underwriting. Proven track record in evaluating creditworthiness, assessing financial health, and providing data-driven insights for investment decisions. Skilled in financial modeling, risk assessment, and portfolio management, with a strong understanding of corporate finance, capital markets, and industry trends.
Overview
6
6
years of professional experience
1
1
Language
Work History
Senior Underwriting Analyst
Accenture
06.2024 - Current
- Implemented process improvements that increased productivity while maintaining a high level of accuracy in risk assessment.
- Proactively evaluated loss experience data to continually refine underwriting criteria and improve overall portfolio performance.
- Managed a diverse client portfolio, balancing risk against return while ensuring adherence to company policies and regulatory requirements.
- Evaluate policy applications for accuracy, completeness, and adherence to underwriting guidelines and industry standards.
Develop and implement underwriting strategies to achieve profitability and portfolio growth while mitigating risk exposure. - Utilize advanced analytical tools and software to model risk scenarios and predict potential outcomes.
- Maintain up-to-date knowledge of industry trends, regulatory changes, and competitive market conditions to inform underwriting practices.
Senior Underwriting Analyst
Barclays
03.2022 - 06.2024
- Assess and evaluate the creditworthiness of corporate borrowers by analyzing financial statements, cash flow projections, and key performance metrics.
- Perform detailed credit risk analysis, identifying potential risks and recommending appropriate mitigation strategies.
- Conduct industry and market research to assess external factors impacting borrowers' financial stability and repayment capacity.
- Prepare comprehensive credit proposals and reports, outlining key findings, risk assessments, and recommendations for credit approval.
- Collaborate with relationship managers, credit committees, and senior leadership to structure and approve credit facilities.
- Monitor the performance of existing corporate loan portfolios, identifying early warning signs and recommending corrective actions.
- Ensure compliance with internal credit policies, regulatory requirements, and risk management frameworks.
- Utilize advanced financial modeling and analytical tools to evaluate complex credit transactions and scenarios.
- Manage the underwriting process for new credit applications and annual reviews, ensuring timely and accurate decision-making.
Underwriting Analyst
Barclays
03.2021 - 03.2022
- Performed 360 degree risk assessment of providing loans, which included affordability analysis, Fraud analysis and KYC and Sanctions.
- Worked on multiple appeals, clients and executive complains, dealt with the same and provided solutions.
- Applied strong analysis in short SLA cases while working on credit worthiness of an individual, 95% productivity with 100 % quality and 0 IQA fails.
- Participated in stream lining the process by identifying gray areas of lending and providing solutions.
- Stayed abreast of industry developments, regulatory changes, and emerging risks to adjust underwriting strategies and ensure compliance with industry standards and company policies.
- Contributed to the development and refinement of underwriting guidelines, processes, and workflows, driving efficiency, consistency, and continuous improvement within the underwriting department.
Research Analyst
High Beam Global
01.2019 - 01.2020
- Conduct comprehensive financial analysis of companies, industries, and markets to identify trends, risks, and investment opportunities.
- Produce detailed reports, presentations, and market insights, summarizing findings and providing actionable recommendations to senior management and clients.
- Perform quantitative and qualitative research on economic indicators, industry trends, and regulatory changes to guide investment strategies.
Education
CFA LEVEL 2 - Financial Analysis, Portfolio Management
CFA Institute
04.2001 -
Financial Modelling - Financial Modelling
Institute of Financial Analysis
Jaipur 04.2001 -
Data Analysis Using Excel And Power BI -
Institute of Financial Analysis
Jaipur 04.2001 -
Excel For Finance -
Institute of Financial Analysis
Jaipur 04.2001 -
CFA Level 1 - Financial Analysis
CFA Institute
04.2001 -
BBA - Finance
UPES
Dehradun 04.2001 -
Skills
Microsoft office
Portfolio management
Credit analysis
Financial Analysis
Equity research
Financial Modelling
Financial Research
Power BI
Advance Excel
Industry trends
Report preparation
Timeline
Senior Underwriting Analyst
Accenture
06.2024 - Current
Senior Underwriting Analyst
Barclays
03.2022 - 06.2024
Underwriting Analyst
Barclays
03.2021 - 03.2022
Research Analyst
High Beam Global
01.2019 - 01.2020
CFA LEVEL 2 - Financial Analysis, Portfolio Management
CFA Institute
04.2001 -
Financial Modelling - Financial Modelling
Institute of Financial Analysis
04.2001 -
Data Analysis Using Excel And Power BI -
Institute of Financial Analysis
04.2001 -
Excel For Finance -
Institute of Financial Analysis
04.2001 -
CFA Level 1 - Financial Analysis
CFA Institute
04.2001 -
BBA - Finance
UPES
04.2001 -
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