Shubham Goyal

-Directly supervise a team of 6 members , ensuring adherence to company policies and procedures.

-Analyzed credit data and financial statements to assess the creditworthiness of commercial loan applicants.

-work effectively in a fast-paced, deadline-driven environment and Average process 40+ files in a month with 95% TAT.

- Present analysis, findings, and recommendations to managers, especially findings that involve a borrower's ability to repay.

-Undertake the credit risk assessment process within a defined turn-around time (TAT).

-Consider key market nuances in the credit underwriting process.

-Manage the complete life-cycle of working capital loan process, through credit application.

- Conducted thorough risk analysis on loan portfolios, identifying potential risks and recommending appropriate risk mitigation strategies.

-Prepared comprehensive credit risk reports and presentations for senior management, highlighting key risk metrics and trends.

- Contributed to the development and enhancement of credit risk models and methodologies to improve accuracy and efficiency.

• Banking & Finance: Assisted the Audit Team in checking NPA, P&L, and Balance sheet items of Punjab National Bank Branch & detecting Fraud of INR ~48 Lakhs
• Project Finance: Prepare CMA Data for various clients for working capital loans and provide assistance Ratios Analysis Guided in financial statements Analysis and deeply scrutinized Revenue, Cash Book, Valuations of Inventories, Fixed Assets, etc
• Assisted a Consultancy Team, Assignment related to Compliance of GST and AP, AR & GL Reconciliation through SAP S/4 HANA at Hero Future Energies- T/O INR 500 Cr.+
• At Azure Power which is a Listed Company at NYSE.