RAHUL GOSWAMI

Key Responsibilities:

• Financial Analysis & Credit Risk Assessment:

• Analyzing and spreading financial statements using various financial spreading platforms such as Moody’s Risk Analyst, Credit Lens, and nCino.

• Conducting in-depth analysis of Income Statements, Balance Sheets, and Cash Flow Statements for both public and private entities to support credit appraisals.

• Normalizing financial statements to account for exceptional and non-recurring items to determine true profitability.

• Calculating financial metrics such as Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, and other key ratios.

• Reviewing supplementary schedules, notes, and MD&A for detailed adjustments and breakups.

• Covenant Compliance & Risk Monitoring:

• Monitoring and ensuring compliance with financial covenants and reporting requirements.

• Identifying financial risks and ensuring adherence to internal risk management frameworks.

• Process Optimization & Leadership:

• Leading and mentoring a team to ensure high-quality deliverables while meeting strict deadlines.

• Streamlining processes to enhance efficiency in financial spreading and credit analysis.

• Collaborating with internal stakeholders and senior management to support strategic decision-making.

Key Achievements:

• Successfully managed high-volume financial spreading tasks while ensuring 100% accuracy and compliance with industry standards.

• Played a pivotal role in optimizing credit assessment workflows, reducing turnaround time, and improving team productivity.

• Strengthened client relationships by delivering actionable financial insights and customized solutions.

Technical Skills:

• Financial spreading tools: Moody’s Risk Analyst, Credit Lens, nCino

• Financial modeling and credit risk assessment

• Data analysis and reporting

• Strong knowledge of banking and lending operations

• Recognized with Fundamental Champ Award multiple times in my career - A semiannual awards given within department for maintaining excellent quality
• Contributed to the team's success in winning the Dynamic Team Award multiple times
• Experienced Data Analyst in Capital IQ database with 7+ years of experience in financial statement analysis (10Ks,10Qs, ERs) and automation solutions
• Proven track record of ensuring 100% quality delivery in a fast-paced environment

• Engaged dormant shareholders, investigating reasons for inactivity
• Maintained reports through regular telephonic and face-to-face meetings
• Conducted research on the Indian Equity Market, gaining insights into share market processes
• Developed skills in client interaction, target achievement, numerical analysis, and effective communication
• Spreading and analyzing the financial statements such as Balance sheets, Income statements & Cash flow statements through spreading tools & excel
• Conducted in-depth analysis of financial statements mainly U.S filings such as 10Ks, 10Qs & Earnings release and several other Quarterly & Annual reports from various other geographies
• Conducting Quality checks (QCs) and audit checks to ensure 100% quality delivery, discovering errors, and maintaining the reliability of data
• Reviewed supplementary schedules, notes, and MD&A for detailed breakups and adjustments
• Analysis of US GAAP and IFRS 16 policy of various countries
• Handling client queries & feedback and providing appropriate solutions for the same
• Delivered goals within established deadlines and timeliness goals
• Delivered lean and automation ideas/concepts to maintain optimal workflow & reduce human efforts
• Served as the Point of Contact (POC) for the team, facilitating effective communication and coordination