Sakshi Kumari
Delhi
Summary
Seasoned Credit Analyst with experience in evaluating credit data and financial information. Proficient in interpreting complex financial documents and creating credit risk assessments. Known for analytical skills, problem-solving abilities, and sound judgment to guide decision-making processes. Contributed to risk management strategies in previous roles.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Credit Analyst
Axis Bank
09.2022 - Current
- Analyzed financial statements, industry trends, and economic data to evaluate creditworthiness.
- Conducted a detailed financial analysis on client portfolios, assessing creditworthiness, and providing risk recommendations.
- Assessed the risk of loan default by conducting thorough company and industry-specific research.
- Performed financial ratio analyses to determine the liquidity, solvency, and profitability of borrowers.
- Prepared comprehensive credit reports, summarizing findings, and presenting recommendations to senior management.
- Responsible for the preparation of CAM (Credit Appraisal Memo) for new proposals, as well as the renewal of clients having a ticket size of 10 crore and above, which fall under SEG.
- Identified and monitored key risk indicators, ensuring compliance with regulatory requirements.
- Collaborated with cross-functional teams to evaluate credit proposals and structure financing solutions.
Education
MBA - Banking And Finance
Manipal Academy of Higher Education
Bengaluru, Manipal11-2024
Post Graduate Diploma in Banking And Finance -
Manipal Academy of Higher Education
Bengaluru, Manipal01.2022
B.B.A -
MDDM College
Muzaffarpur, Bihar01.2016
Higher Secondary(10+2) -
U R College
Rosera, Bihar01.2013
Secondary (10) -
High School, HB.N.H School
Rosera, Bihar01.2011
Skills
- Risk management tools
- Credit risk assessment
- Financial analysis
- Credit scoring systems
- Proficient in MS Office
- SQL
- Communication skills
- Analytical thinking
- Team collaboration
- Credit rating
- Financial statement analysis
- Finacle Banking Software
Certification
- Certificate in Mutual Funds
- Certification at the National Institute of Stock Market in the Depository
- Course on Computer Concepts
- Certification on the Insurance Regulatory and Development Authority of India
Timeline
Credit Analyst
Axis Bank
09.2022 - Current
MBA - Banking And Finance
Manipal Academy of Higher Education
Post Graduate Diploma in Banking And Finance -
Manipal Academy of Higher Education
B.B.A -
MDDM College
Higher Secondary(10+2) -
U R College
Secondary (10) -
High School, HB.N.H School
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