P. Spandana Devi
Credit Officer
Pune
Summary
Aspiring finance professional eager to leverage skills and knowledge acquired through education, internship, and work experience. Dedicated and passionate candidate with strong organizational abilities, seeking an entry-level Financial Analyst position. Committed to contributing to team success and becoming a valuable asset to the company.
Overview
2
2
years of professional experience
4
4
Certificates
Work History
Credit Officer
4Fin Finance Private Limited
05.2023 - Current
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Structured loan terms, prepared documentation, and ensured compliance with legal and regulatory requirements
- Built and maintained client relationships, providing guidance and support throughout the loan process
- Monitored loan portfolio performance, identified potential issues, and worked with borrowers to resolve problems.
Intern
Stackfusion Pvt. Ltd.
05.2022 - 07.2022
- Conducted an in-depth analysis of the company's working capital management practices
- Analyzed cash flow statements, accounts receivable, and accounts payable to assess the company's liquidity position.
- Identified areas for improvement and provided recommendations to optimize working capital
- Presented findings and suggestions to the management team.
Education
MBA - Finance, India
Balaji Institute of Telecom And Management (Sri Balaji University Pune)
Pune,India 04.2001 -
Bachelor of Commerce - Accounting And Finance
Sir Parashurambhau College (SPPU)
Pune, India 04.2001 -
XII - Central Board of Secondary Education (CBSE), Commerce - undefined
Arm Public School
Skills
Proficient in MS Office (Word, PowerPoint, Excel)
SAP - FICO
Tally ERP 9 (GST)
Financial statement review
Credit analysis
Creditworthiness Determination
Financial Modeling
Certification
SAP Certified Application Associate - SAP S/4HANA for Financial Accounting Associates (SAP S/4HANA 2021)
Timeline
Credit Officer
4Fin Finance Private Limited
05.2023 - Current
Intern
Stackfusion Pvt. Ltd.
05.2022 - 07.2022
MBA - Finance, India
Balaji Institute of Telecom And Management (Sri Balaji University Pune)
04.2001 -
Bachelor of Commerce - Accounting And Finance
Sir Parashurambhau College (SPPU)
04.2001 -
XII - Central Board of Secondary Education (CBSE), Commerce - undefined
Arm Public School
Travelling , Cooking, Dancing, Playing Badminton
- Enthusiastic traveler who loves exploring new cultures and destinations.
- Enjoy experimenting with recipes and creating delicious meals for family and friends.
- Love expressing myself through dance, finding joy and rhythm in movement.
- Active badminton player who enjoys the sport's fast pace and strategic nature.
Travelling , Cooking, Dancing, Playing Badminton
- Enthusiastic traveler who loves exploring new cultures and destinations.
- Enjoy experimenting with recipes and creating delicious meals for family and friends.
- Love expressing myself through dance, finding joy and rhythm in movement.
- Active badminton player who enjoys the sport's fast pace and strategic nature.