PRATHYUSH UNNIKRISHNAN
Credit Analyst
Irinjalakuda
Summary
Chartered Accountant with post qualification experience of three and half years in a private sector bank having expertise in the field of credit risk analysis, credit analysis ,credit underwriting, internal risk-based credit rating, model development and financial reporting. Seeks a challenging job to apply the gained experience in an organization where innovation, encouragement and excellence are the ways of life.
Overview
12
12
years of professional experience
13
13
years of post-secondary education
1
1
Certification
3
3
Languages
Work History
Credit Analyst
Federal Bank Ltd
09.2023 - Current
- To prepare accurate credit proposals in consistent ,concise and lucid manner.
- To maintain close working relationship with business unit to ensure that department deliverables are met.
- Need-based meeting with customers to understand business and attendant risk
- Financial analysis of company including operational information,shareholding pattern,borrowings ,product profile etc.
- To monitor portfolio for irregularities irregularities/excesses/breaches/delays/overdue renewal.
- Control quality of portfolio using available triggers and adherence to risk management guidelines and policies.
- Visit units and submit inspection report.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests
- Performed credit reviews on corporations to assess financial conditions
- Attended credit-related training and conferences to stay informed about industry trends and developments
- Analyzed credit scores to determine borrowers' creditworthiness
- Supported sales team in negotiating favorable terms, balancing business growth and credit risks effectively
Credit Risk Analyst
CSB BANK LIMITED
09.2020 - 09.2023
- Thorough credit analysis of Mid/ Large corporate units by interpreting the management risk/ financial risk/ facility risk/ business & industry risks and produce concise and insightful risk review reports and affirm final obligor risk ratings based on independent assessment and judgement.
- Carryout due diligence of clients, thereby recommending risk mitigants.
- Vetting and confirming internal credit risk ratings of borrowers based on latest ABS submitted.
- Modifying credit rating models as per requirements or as and when directed by risk management committees.
- Conducted review of rating outlook of high value accounts.
- Supervised implementation of centralized risk assessment model (CRISILRAM ICON) in bank, Conducted extensive back testing of internal models and made necessary customizations to align output of new models with that of current models in use by bank and get it approved in Board.
- Analyzing and monitoring exposure to sectors/ industries which are under stress.
Analyst-Business Finance
MPHASIS LIMITED
01.2020 - 04.2020
- Analyse financial data ,Identify trends and provide insights to support decission making.
- Develop and maintain MIS to provide accurate and timely financial information to stake holders.
- Assist BU head in facilitating weekly/monthly/quarterly reviews with data analysis,call outs on actionable items for improving business metrics .
Audit Manager
FinnoneAccountingandTax Services
03.2017 - 08.2019
- Prepare and finalize tax returns and audit reports under Income tax, GST, VAT and
other laws. - Handled tax audit of corporates and non-corporates under direct & indirect tax laws.
- Independent finalization of financial statements of well reputed organizations engaged
in manufacturing, trading and service sector. - Advisory services in the areas of tax management, business law, planning and
compliance.
Audit Trainee
M/s Ramdas and Venugopal Chartered Accountants
03.2012 - 03.2015
- Independent finalization of financial statements of well reputed organizations engaged in manufacturing, trading and service sector.
- Handled statutory branch audit of scheduled banks, covering all compliance
aspects of Banking Regulation Act, 1949. - Analysis of financial data across diverse sectors, preparing periodic performance
reports, cash flows and other accounting information by proposing recommendations regarding their operational efficiency, profitability and liquidity position. - Ensured timely completion of audit tasks by efficiently managing workload under tight deadlines without compromising quality or attention to detail
- Evaluated the effectiveness of clients'' internal control systems in preventing, detecting, and correcting financial misstatements.
- Identified major risk areas and gaps in internal controls, process notes and risk control matrices to plan and perform audit procedures.
Education
CA -
Institute of Chartered Accountants of India
05.2012 - 05.2019
MBA -
Bharathiar University
04.2012 - 12.2015
B.Com -
Christ Colllege
04.2009 - 04.2011
Skills
Oral and written communications
Credit Rating
Corporate Banking
Model development
Credit risk analysis
Proficiency in Microsoft office
Credit review
Risk mitigation strategies
Portfolio Management
Financial statement analysis
Industry Research
Multitasking Abilities
Oral and written communications
Certification
Certificate on Risk Management from NIBM
Timeline
Credit Analyst
Federal Bank Ltd
09.2023 - Current
Certificate on Risk Management from NIBM
01-2023
Credit Risk Analyst
CSB BANK LIMITED
09.2020 - 09.2023
Analyst-Business Finance
MPHASIS LIMITED
01.2020 - 04.2020
Audit Manager
FinnoneAccountingandTax Services
03.2017 - 08.2019
CA -
Institute of Chartered Accountants of India
05.2012 - 05.2019
MBA -
Bharathiar University
04.2012 - 12.2015
Audit Trainee
M/s Ramdas and Venugopal Chartered Accountants
03.2012 - 03.2015
B.Com -
Christ Colllege
04.2009 - 04.2011