Polished Senior Credit Analyst entrusted with managing large portfolios. Possessing strengths in decision making and risk assessment. Looking for a challenging position at an exciting organization.
Overview
6
6
years of professional experience
Work History
Senior Credit Analyst
Evalueserve
03.2023 - Current
Handled a team of 5 members for Equipment Finance & Auto Finance process.
Created ad hoc reporting requests as needed by management team members.
Assisted various teams within the process like Commercial Real Estate, General Industries, Equipment Finance & Auto Finance.
Developed and maintained dashboards for management reporting & for client interaction.
Conducted ratio analysis and interim reviews of the borrowers to further assess risk rating.
Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
Provided training sessions for new staff members on various credit analysis terminologies and client's software walkthrough.
Associate in Commercial Lending Team
Acuity Knowledge Partners
05.2022 - 03.2023
Worked on Moody's Credit Lens (MCL) spreading platform for different borrowers.
Part of Asset Based Lending Team where I spread financials and borrowing base availability for the borrowers.
Worked on 10-K, 10-Q financial statements for Commercial & Industrial Sector (C&I), Real Estate, Not-for-Profit & Individuals on Moody's Credit Lens.
Daily, Weekly and Monthly Loan Posting of different accounts in Borrowing Base Certificate into the company's software.
Performed Covenant Monitoring for the borrowers by assessing ratios and analysis of Compliance Certificate and Loan Agreement.
Senior Analyst in Functional Portfolio Management
Natwest Group.
08.2019 - 05.2022
Promoted to Grade 3 and moved from Trade Operations to Functional Portfolio Management
Keyed financial and management information from annual and monthly accounts which further helped the portfolio owners to calculate Probability of Default or the credit risk imposed by the customer while lending a facility.
Helped in credit risk and default loss estimation procedure (CRADLE) for Large Corporates.
Keyed FI & MI for Not For Profit (NFP) organizations, Public Limited Company, National Health Service (NHS), Farming entities.
Supported Annual Review Pre Checks (ARPC) team which helps the credit team to make decision on approval for lending any facility.
Business Analyst in Trade Finance UK Team
Natwest Group
01.2018 - 07.2019
Managed 3 processes under Documentary Import Collections i.e
Import Issuance Booking, Import Acceptance and Import Investigations
Liaised with AML team to conduct the process within AML guidelines and Sanction policies
Knowledge of SWIFT types for Collections, Letter of Credits and Guarantees for banking communications
Processed Import Investigations for queries regarding charges for the collection, sending MT499 & MT999 for information on the collection, acceptance or refusal of booking altogether etc
Ensured transactions are processed within Anti-Money Laundering policies to counterattack against parties involved under Sanctions
Certified with Trade Skills Assessment Level 1 with distinction