Finance
Nilanjan Dey Sarkar
Credit Analyst
Bengaluru,KA
One doesn’t discover new lands without consenting to lose sight, for a very long time, of the shore.
André Gide
Summary
Enthusiastic Credit Analyst eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Having a Clear understanding of financial statement interpretation & assessment and risk mitigation methods. Inclined towards learning consistently updated aspects in the finance and technology field. Always wary of current affairs and developments. Motivated to learn, grow and excel in Finance & Fin-tech industry.
Overview
3
3
Certifications
16
16
years of post-secondary education
4
4
years of professional experience
Work History
Credit Analyst
Bank of Baroda
Bengaluru, Karnataka
04.2019 - Current
- Improved understanding of financial statements, which helped in assessing risk.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Complied with internal controls and government regulations.
- Assessed credit risk and analyzed financial statements.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Created plans and communicated deadlines to ensure projects were completed on time.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Maintained excellent attendance record, consistently arriving to work on time.
- Delivered exceptional level of service to each customer by listening to concerns and answering questions.
Relationship Officer
IDBI Bank
Bhuj, Gujarat
10.2015 - 11.2017
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Liaised with clients by phone, email and text messaging to meet client needs and define expectations.
- Educated customers about [Product or Service] options and processed purchases.
- Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
- Used effective sales strategies to convince clients to accept proposals, resulting in increase of more than $[Number] in new business per year.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Generated new business and referral clients in partnership with financial advisors and branch team.
- Educated clients on available technological tools, enabling development and implementation of solutions to achieve personal financial goals.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
Education
High School Diploma -
07.1998 - 07.2008
Bachelor of Science - Mechanical Engineering
09.2008 - 06.2012
- Member of Student organization for initialising the concept of technology related inter college events
- Professional development completed in Operations Management as a Major Project in Final year of engineering.
- Received first hand experience in quality assurance in Cummins Turbo Technologies specialised in manufacture of Turbo Chargers in Dewas Plant (MP)
MBA - Finance
07.2012 - 07.2014
Skills
Financial statements expertise
undefinedAccomplishments
As a Relationship Officer in IDBI Bankin Bhuj branch (Gujarat), I was able to garner quality business by having a direct relationship with prospective clients and converting them into customers of the bank. Strived to provide proper assistance after onboarding them into the bank's business network and provide satisfactory results.
Further, being posted in a rural branch in Mundra region of Kutch, I learnt to manage basic operations in branch banking. From handling cash counter, handling general customer queries to assessing retail and agriculture credit.
As a Credit Analyst in Bank of Baroda, I got exposure of credit analysis process in MSM industry which is vast and complicated and was awarded Employee of the month for September 2019. Was able to understand the borrower's business requirements alongwith assessment of financial position and risks associated with the particular business. Interacted with a plethora business profiles while simlultaneously providing TAT as per bank's guidelines and customer expectations. Kept oneself updated by earning certifications through bank's learning portal.
Certification
SME professional certification-IIBF
Interests
Technology
Marketing
Interpersonal Communication
Timeline
IBM blockchain Essentials-V2
10-2020
Junior Associate of the Indian Institute of the Bankers-IIBF
07-2019
Credit Analyst - Bank of Baroda
04.2019 - Current
SME professional certification-IIBF
03-2019
Relationship Officer - IDBI Bank
10.2015 - 11.2017
Institute Of Management Studies (DAVV) - MBA, Finance
07.2012 - 07.2014
Medicaps Institution Of Technology & Management - Bachelor of Science, Mechanical Engineering
09.2008 - 06.2012
Columbia Convent School - High School Diploma,
07.1998 - 07.2008
Similar Profiles
ROHITKUMAR PRAJAPATIROHITKUMAR PRAJAPATI
Assistant Manager (Finance, Accounts & Taxation) at Baroda Global Shared Service Limited (Wholly Subsidy Bank of BarodaAssistant Manager (Finance, Accounts & Taxation) at Baroda Global Shared Service Limited (Wholly Subsidy Bank of Baroda
KAIVAL PATELKAIVAL PATEL
Manager - Finance, Accounts and Taxation at Baroda Global Shared Services Ltd. (Subsidiary of Bank of Baroda)Manager - Finance, Accounts and Taxation at Baroda Global Shared Services Ltd. (Subsidiary of Bank of Baroda)
Shrishti RathoreShrishti Rathore
Senior Executive at BARODA GLOBAL SHARED SERVICE WHOLLY OWNED BY BANK OF BARODASenior Executive at BARODA GLOBAL SHARED SERVICE WHOLLY OWNED BY BANK OF BARODA
Rekha SundavadraRekha Sundavadra
Executive at Bank of Baroda (Baroda Global Shared Services Ltd)Executive at Bank of Baroda (Baroda Global Shared Services Ltd)
Neha DasguptaNeha Dasgupta
Team Lead – Inside Sales & Growth Strategy at LivspaceTeam Lead – Inside Sales & Growth Strategy at Livspace