Shivani Gupta

• Analyzed credit appraisals using ABB and ITRS systems; assisted with PD (Personal Discussion) clearances and responded to bounce-back queries.

• Prepared detailed credit appraisal memos; evaluated income tax returns, GST returns, audit reports, and other financial documents.

• Verified legal chain of property title deeds, examined related documentation, and assessed technical valuation reports.

• Conducted personal discussions (PDs) to gain meaningful insights into applicants' business models, income stability, and creditworthiness.

• Utilized advanced Excel functions (VLOOKUP, INDEX-MATCH, pivot tables, macros) to analyze financial data, streamline monthly reporting processes, and support strategic decision-making.

• Ensured adherence to company policies, compliance standards, and ethical banking practices; reported issues transparently and professionally.

• Assessed creditworthiness of individuals and businesses by analyzing financial statements, credit reports, and industry data to determine risk exposure and recommend appropriate credit limits.

• Successfully analyzed and reviewed 150+ credit applications per month, contributing to a 20% increase in loan approvals and overall portfolio growth.

• Evaluated workflows and current assets to identify improvements in credit assessment processes.

• Reviewed financial statements, audit reports, Form 3CD, and performance indicators like capital base (CB), current assets (CA), and firm growth trends.

• Streamlined the underwriting process by integrating automation tools, resulting in reduced loan approval times and enhanced team productivity.

• Utilized tools like Excel and internal MIS systems to generate financial models and reports that supported underwriting and portfolio monitoring
• Analyzed financial statements and credit history to assess creditworthiness and calculate risk.
• Evaluated customer profiles by reviewing loan applications, KYC documents, and historical monetary transactions.
• Conducted detailed credit appraisals, ensuring accuracy and completeness of financial documentation.
• Utilized computerized financial analysis tools to assess key metrics such as liquidity, profitability, and solvency of firms.