Summary
Overview
Work History
Education
Skills
Languages
Hobbies
Timeline
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PREETI PAL

New Delhi

Summary

Dynamic Credit Analyst with over five years of experience in the banking sector, specializing in credit processing and analysis. Proven expertise in evaluating financial data and enhancing credit assessment processes to mitigate risk. Strong analytical skills, complemented by a solid background in financial analysis, ensure effective decision-making. Demonstrated ability to work under pressure, achieving significant improvements in loan approval rates, and portfolio management.

Overview

7
7
years of professional experience

Work History

Credit Analyst

IndusInd Bank
New Delhi
03.2023 - Current
  • Preparing, analyzing and recommending loan proposals for LAP and working capital (exposure upto 2 Cr and enhancement upto 5 Cr).
  • Conducting in depth business assessment through financial analysis (bank statements, ITRs, P&L, Balance Sheet and GST), both manually and via Perfios.
  • Led personal discussion (PDs) at client business premises to evaluate business viability and creditworthiness.
  • Coordinated with internal teams to maintain turnaround time (TAT) and streamline the loan processing workflow.
  • Assisted sanctioning authorities by preparing detailed credit notes and risk assessments to supporting lending decisions.
  • Evaluated key financials and risk indicators using tools such as CRILIC, NCLT records, watchlist checks and other bureau reports.
  • Handled both New-to-Bank (NTB) and existing portfolio clients, ensuring prompt resolution of credit-related queries.
  • Maintained effective communication with clients for documentation, eligibility clarifications, and follow-ups.

Credit Processing Associate

Yes Bank
New Delhi
04.2021 - 02.2023
  • Preparing, Analyzing and recommending Loan proposal of LAP, CF and working capital.
    Extracting checks such as CRILIC, NCLT, and Watch Out, etc.
  • Bank statement analysis through perfios & manually.
    Capturing deviations of the customer based on the credit policy.
  • Providing a detailed analysis and ensuring that all documentation is in compliance with the relevant regulations.
  • Recommending and underwriting loans, reviewing and verifying loan applications and supporting documentation.
  • Documenting and effectively communicating the reasons for the recommendation or rejection of the loan.
    Supporting sanctioning authorities in decision-making.
  • Collaborated with various departments to streamline credit processing.

Credit Processing Associate

ICICI BANK
New Delhi
08.2019 - 04.2021
  • Analyze the financial statement and credit history to better understand how much risk could be involved in extending.
  • Evaluating & Making loan eligibility decision.
  • Maintain a database of all borrowers in accordance with the organization's standard.
  • Maintaining RTR, Loan Track, and Rental tracking sheet.
  • Maintaining the sanction letter at the time of disbursement.
  • File login and preparation of the MIS Tracker as per requirements.

Accounts Executive

Mittal Ajay & Associates
New Delhi
12.2017 - 08.2019
  • Preparing financials and accounts of companies and individuals in Tally.
  • Filing of income tax returns for salaried clients, filing of GST returns, and checking master data and director data of companies and LLPs.
  • Filing of GST Returns
  • Checking master data and director data of companies and LLPs.
  • Preparing MIS and client data.

Education

M.COM -

IGNOU
Delhi
01-2021

B.COM -

DELHI UNIVERSITY
Delhi
01-2017

High School Diploma -

CBSE
DELHI
01-2014

Skills

  • Financial analysis
  • Risk assessment
  • Credit underwriting
  • Loan processing
  • Regulatory compliance
  • Client communication
  • Portfolio management
  • Data analysis
  • Credit policy evaluation
  • Time management
  • Loan documentation
  • Credit monitoring

Languages

Hindi
First Language
English
Beginner
A1

Hobbies

  • Dancing
  • Listening Music
  • Travelling

Timeline

Credit Analyst

IndusInd Bank
03.2023 - Current

Credit Processing Associate

Yes Bank
04.2021 - 02.2023

Credit Processing Associate

ICICI BANK
08.2019 - 04.2021

Accounts Executive

Mittal Ajay & Associates
12.2017 - 08.2019

M.COM -

IGNOU

B.COM -

DELHI UNIVERSITY

High School Diploma -

CBSE

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