Raman Garg
#5326/G, Sec 38 West, Chandigarh, India
Summary
Passionate and hardworking are the traits that define me. Failure is not a word that I am familiar with, but that doesn't make me imperious. I take challenges head on and always strive towards the betterment of the
organisation and the people I work for.
Overview
8
8
years of professional experience
Work History
Credit Analyst
Federal Bank Limited
Indore, Madhya Pradesh
11.2019 - Current
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Communicated regularly with borrowers throughout the application process.
Articled Assistant
Kansal Singla and Associates
Chandigarh
08.2016 - 07.2019
- Prepared financial statements in accordance with Generally Accepted Accounting Principles.
- Assisted in preparing tax returns, budgets, forecasts, and other financial documents as needed.
Education
Some College (No Degree) - Finance
CFA Level 1 And 2
India11-2021
Some College (No Degree) - Accounting And Finance
Chartered Accountancy
India05-2019
Undergraduation - Commerce
Panjab University
Chandigarh05-2018
12th Class - Commerce
Sharda Sarvhitkari Model Sr Sec School
Chandigarh03-2015
Skills
- Underwriting
- Financial Forecasting
- Risk Assessment
- Credit analysis
- Relationship Management
Accomplishments
- Won Bronze Medal in the National Level Wrestling Competition organized by Vidya Bharti.
- Won Gold Medal in Inter-school Wrestling Competition organized by SGFI in Chandigarh for 2 consecutive years viz. 2014 and 2015
- Represented Chandigarh in National Level Wrestling Competition organized by SGFI in 2014 & 2015.
Languages
Hindi
First Language
English
Upper Intermediate (B2)
B2
External Certifications
- CAIIB (IIBF) – Sep 21
- JAIIB (IIBF) – Dec 20
- Certification course on MSME (IIBF) – Sep 20
- CICC by Moody’s Analytics – July 20
Timeline
Credit Analyst
Federal Bank Limited
11.2019 - Current
Articled Assistant
Kansal Singla and Associates
08.2016 - 07.2019
Some College (No Degree) - Finance
CFA Level 1 And 2
Some College (No Degree) - Accounting And Finance
Chartered Accountancy
Undergraduation - Commerce
Panjab University
12th Class - Commerce
Sharda Sarvhitkari Model Sr Sec School
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