Satpal Khalsa
Credit Risk Analyst
Summary
Skilled Credit Risk Analyst with around 12 years of experience, looking forward to take on challenging roles in Corporate Credit and Risk Management with a leading bank/NBFC
Highly motivated and results-driven professional with an MBA in Finance from a prestigious Tier II college. Currently excelling as a Credit Risk Analyst in the Emerging Corporate Group(Mid-market) at Yes Bank Ltd, adept at managing high-value exposures across diverse industries and banking products. Proven expertise gained from a renowned Credit rating agency, coupled with proficiency in handling trade finance products. Eager to leverage strategic financial acumen and analytical skills to drive business growth and mitigate credit risk effectively.
Overview
12
12
years of professional experience
11
11
years of post-secondary education
3
3
Languages
Work History
Credit Risk Analyst
Yes Bank
09.2022 - Current
- Conducted credit risk analysis for mid corporate clients with turnover ranging from Rs 100 Crs to Rs 1500 Crs.
- Prepared comprehensive credit risk summaries encompassing factsheet, corporate structure, key risks and observations, mitigations, financials, and risk assessment for each case. - Reviewed credit appraisal memorandums (CAMs) and term sheets, and finalized cases for submission to the approving authority for closure.
- Reviewed exceptions, deferrals, security review memos, and UFCEs raised by business teams.
- Monitoring economic and industry developments as well as financial parameters of clients to detect potential risk triggers or signs of stress and taking appropriate steps to mitigate risks.
- Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams with the objectives of improving the credit quality.
- Portfolio included entities from various industries including but not limited to Agri and Allied, Textiles, EPC, Pharmaceutical, Auto Component Manufacturers, E-Commerce, OEMs, NBFCs etc
Credit Analyst
IndusInd Bank Ltd
08.2020 - 09.2022
- Conduct credit appraisal of potential Agro SME/Mid market clients for fund-based (e.g., Working Capital, Overdraft, Cash Credit, Term Loan, EPC, LRD) and non-fund-based (e.g., Letter of Credit, Bank Guarantee) exposures.
- Prepare detailed proposal notes, offer an independent credit opinion, and make recommendations on the proposed exposure and structure. -Supervise a team of 1 credit analyst and 3 Credit Processing Assistants (CPAs) to ensure efficient workflow and adherence to credit processing standards.
- Coordinate client meetings, evaluate prospective customers and markets, understand client requirements, and structure proposals/deals in compliance with the Bank's credit guidelines and customer needs.
- Execute in-depth credit and background-reference checks for all prospective SME/Mid market clients, ensuring due diligence in the evaluation process.
Senior Rating Analyst
Crisil Ratings
10.2018 - 08.2020
- Evaluated credit rating of bank facilities for mid and large size companies
- Conducted in-depth qualitative and quantitative analysis of business and financial risks.
- Managed a portfolio of approximately 80 cases in North India
- Assessed industry structure and determined company's competitive position within the industry - Prepared comprehensive reports after conducting due diligence, meeting with management, and gathering information from reliable sources - Presented reports to rating committee, ensuring high analytical quality
Assistant Manager
IDBI Bank
01.2012 - 01.2018
- Analyst- MSME Processing Center (Jul 2012 - Jan 2016) -Prepared Detailed credit appraisal notes for cases sourced by branches/business teams for onward submission to approving authority -Attended joint calls with Branches/business teams to understand business models, funding requirements of borrowers and made decisions on proposed structures and exposures accordingly. Maintaining portfolio hygiene with respect to audit, compliances and delinquency management.
- Trade Finance Services & FEMA Advisory (Jan 2016- May 2018) - Managed Import and Export Finance, both Fund Based and Non-Fund Based, including products like LC, BG, Buyers/Suppliers Credit, Pre and Post Shipment Finance, and Export Products such as Packing Credit and Bill Discounting - Oversaw trade remittances for imports (Advance, direct, and bills received for collection) and handled Capital account non-trade remittances for FDI and ODI - Provided FEMA (Foreign Exchange Management Act) advisory services
Education
MBA - Finance
Institute of Management, Nirma University
Ahmedabad, India 04.2001 - 04.2012
B.Com - Economics
Commerce College, Rajasthan University
Jaipur, India06.2009
12th - Commerce
St. Xavier's Sr Sec. School
Jaipur, India03.2006
Skills
Risk Management
Credit Management
Project Finance
Financial Analysis
Relationship Management
Portfolio Management
Corporate Banking
Credit Assessment
Personal Information
- Date of Birth: 03/06/88
- Gender: Male
- Marital Status: Married
Timeline
Credit Risk Analyst
Yes Bank
09.2022 - Current
Credit Analyst
IndusInd Bank Ltd
08.2020 - 09.2022
Senior Rating Analyst
Crisil Ratings
10.2018 - 08.2020
Assistant Manager
IDBI Bank
01.2012 - 01.2018
MBA - Finance
Institute of Management, Nirma University
04.2001 - 04.2012
B.Com - Economics
Commerce College, Rajasthan University
12th - Commerce
St. Xavier's Sr Sec. School
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