Siddhant Jain
Pune
Summary
Knowledgeable in interpreting and in-depth analysis of financial and management accounting with performing credit risk analyst and underwriting, with an involvement and knowledge of market and industries trend and on hand 7 years’ experience in secured lending, financial and risk analysis. Ambitious and detailed oriented versed in balancing priorities and meeting deadlines under pressure and adapt quickly to challenges & changing environment.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Analyst
Standard Chartered Bank
08.2021 - Current
- Manage MSME and large corporate lending, financial analysis and portfolio management
- Handling different products like working capital, loan against property and other secured and unsecured products
- Liaison with external due diligence with technical, legal, and other agencies for timely transaction execution
Senior Manager
Kotak Mahindra Bank Ltd.
07.2019 - 07.2021
- Experienced in reading financial statements and even checking different credit scoring models to predict risks
- Conduct transactional analysis and pro-actively engage to mitigate risk in the transactions
- Makes recommendations regarding the company's product/ policies and market coverage in collaboration with research, product development, pricing, and operational activities
BCM
Indiabulls Housing Finance Ltd.
05.2017 - 06.2019
- Evaluating credit worthiness and risk assessment of an applicant and meeting with promoter to understand business model and assessing going concern of the business along with clarity of overall group financial strength in cases of multiple companies
- Supervising the entire lending process including the initial application and review, underwriting, handling all per-sanction/sanction and post disbursement stage work which include discussion with key person of the company/Partner on the loan proposal
- Maintaining corporate credit policy; recommending changes in the process
Education
Chartered Accountant -
Institute of Chartered Accountant of India
11-2016
B.COM. -
Devi Ahilya Vishva Vidhyalaya
01-2011
HSSC -
Central Board of Secondary Education
01-2008
SSC -
Madhya Pradesh State Board
01-2006
Skills
- Prioritizing tasks
- Organizing tasks
- Independent work
- Teamwork
- Credit risk assessment
Accomplishments
- Awarded as Champion in underwriting for DST Vertical by Indiabulls in 01/18.
- 2nd highest in state for scoring in Audit (CA Final).
Extra-Curricular Activities
Dancing Listening Music Watching Movies
Articleship Exposure
- Tax Audit Various Individual, Partnership firm, Private Companies Audit to be done and reporting under section 44AB of Income Tax Act and other compliance like TDS etc,taxation preparing and e-filling of return of income & other returns
- Statutory Audit, Assist Insurance Audit, Bank Audit & Society Audit.
- ROC filling, Incorporation of Companies, Preparing Resolution & Board notes.
Certification
- Advanced Credit Analysis Certification- Moody's Analytics.
- I.C.A.I. Proficient in MS Excel, MS Word & Power Point
Timeline
Credit Analyst
Standard Chartered Bank
08.2021 - Current
Senior Manager
Kotak Mahindra Bank Ltd.
07.2019 - 07.2021
BCM
Indiabulls Housing Finance Ltd.
05.2017 - 06.2019
- Advanced Credit Analysis Certification- Moody's Analytics.
- I.C.A.I. Proficient in MS Excel, MS Word & Power Point
Chartered Accountant -
Institute of Chartered Accountant of India
B.COM. -
Devi Ahilya Vishva Vidhyalaya
HSSC -
Central Board of Secondary Education
SSC -
Madhya Pradesh State Board
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