NCino
Shubham Mishra
Credit Analyst
Jaunpur
Summary
Highly motivated and goal-driven Financial Analyst skilled in collecting, monitoring and studying data to analyze financial status . Experienced in financial & credit analysis, portfolio management and forecasting. Tech-savvy in use of spreadsheets, accounting and financial management software.
Overview
1
1
year of professional experience
1
1
Certification
2
2
Languages
Work History
Senior Associate
WNS Global Services Private Limited
Bengaluru, India
12.2022 - Current
- Works in Commercial Credit and Risk Rating for US Client.
- Financial statement spreading for various segment such as Commercial & Industrial , Commercial Real Estate & Individuals in a client specified tool.
- Analysis includes reviewing of various financial statement such as balance sheet, income statement, cash flow and statement of changes in equity.
- Financial covenant testing such as DSCR, Debt yield, LTV, TNW, Debt to tangible Net worth, Liquidity, Leverage ratio, etc. in set excel template.
- Managing reporting and financial covenant compliance records.
- Review loan agreement to identify the reporting and financial covenant.
- Observing the amount and type of credit exposure to borrowers.
- keeping track of documents, covenants and other related report.
- Experience of various applications like nCino, Abrigo , Nautilus & AFS.
- Volunteered to help with special projects of varying degrees of complexity.
- Implemented process improvements that led to significant time savings and increased accuracy in deliverables.
Education
MBA -
LLOYD Institute of Management And Technology
Greater Noida, India 04.2001 -
Bachelor of Science -
Veer Bahadhur Singh Purvanchal University
Jaunpur, India 04.2001 -
Intermediate -
St. Xavier's Inter College
Jaunpur, India 04.2001 -
High School -
St. Xavier's Inter College
Jaunpur, India 04.2001 -
Skills
Problem-solving aptitude
Excel spreadsheets
Project Management
Analytical Thinking
Financial statement analysis
Certification
Financial modeling certifications from NSE Academy (2019)
Travel Percentage
100%
Disclaimer
I hereby declare that all the information provided in the resume is true to my knowledge.
Accomplishments
- Collaborated with team of 30 individuals in the development of covenant testing and financial spreading.
Software
Abrigo
Nautilus
AFS Tool
Interests
Fitness Enthusiast
Timeline
Senior Associate
WNS Global Services Private Limited
12.2022 - Current
MBA -
LLOYD Institute of Management And Technology
04.2001 -
Bachelor of Science -
Veer Bahadhur Singh Purvanchal University
04.2001 -
Intermediate -
St. Xavier's Inter College
04.2001 -
High School -
St. Xavier's Inter College
04.2001 -