Decorating Interiors
Simranjeet Kaur
Analyst In CTL Underwriting - Commercial Banking
Summary
Professional experience in finance sector in assessing the credit quality required for loan origination and loan servicing. Highly skilled and experienced in research and analysis, excellent attention to detail, and customer relations. Proficient and experienced in MS Word, Excel, and PowerPoint. Team leader in underwriting of loans as a Credit Underwriter proven ability to thrive in a fast-paced, high- volume and compliance environment with strict deadlines.
Overview
5
5
years of professional experience
5
5
years of post-secondary education
Work History
Analyst in CTL Underwriting Commercial Banking
JPMorgan Chase & Co.
Bangalore
08.2021 - Current
- Understand Credit Ecosystem – Tools & Applications, Policies, Procedures, Guidelines required to Underwrite new term loans and perform the Credit Analysis of Real Estate Borrowers.
- Review credit reports, financial statements and transactions to verify accuracy and completeness.
- Perform credit analysis on Real Estate Borrowers; calculate loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan; and recommend rating grades.
- Review and execute new term loan requests, appraisals, titles and deeds to effectively underwrite real estate loans; and prepare approval memos within the stipulated timelines while ensuring documentation requirements are met per the business and audit requirements.
- Stakeholder management – Build strong relationships and maintain open communication channels with Credit Risk Director, onshore Underwriter, audit, etc.
Senior Rating Analyst
Acuité Ratings and Research Limited
Mumbai
06.2018 - 08.2021
- Ascertaining credit quality of Banks, Non-Banking Financial Companies and Indian Corporate entities across sectors like Real Estate and Infrastructure, Iron and Steel, Power among others.
- Gathered and analyzed material public information, monitored loan covenants, conditions per loan agreements and recommending suitable rating actions while updating standards of credit rating in accordance with regulators of rating industry.
- Analyzing the entity's business model, operating environment, financial statements, projecting future cash flows and identifying key credit strengths and weaknesses.
- Conducting sensitivity analysis on key rating drivers and calculating Value-at-Risk (VAR), performing liquidity analysis.
- Interaction with Senior Management of the rated entities in order to understand the business strategy over medium to long term.
- Improved understanding of financial statements, which helped in assessing risk.
- Preparing detailed reports, presentations to the rating committee independently, drafting of press releases and rating rationales covering credit perceptiveness.
- Conducted annual reviews of the assigned ratings to establish continued creditworthiness.
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record.
- Actively listened to customers' requests upon communicating rating outcomes, confirming full understanding before addressing concerns while demonstrating respect and friendliness.
- Executed 250+ assignments of Indian corporate with acceptance rate of 80%.
- Top 5 assignments are The Jammu & Kashmir Bank Limited, Tourism Finance Corporation of India Limited, Trust Group, SREI Equipment Finance Limited, Embassy group.
Management Trainee - Rating Analyst
Acuité Ratings and Research Limited, SMERA Ratings Limited
Mumbai
12.2017 - 06.2018
- Performed same duties as above
Finance Executive
ERGODE, IT SERVICES PVT. LTD
Mumbai
04.2017 - 06.2017
- Analyzed Accounts Payable and Receivable in e- Commerce industry to enhance their profitability and efficiency
- Prepare high-level variance analysis and compiling reports for company leadership to inform decision-making.
- Determined payment reconciliation; a key aspect in financial health, i.e. using two sets of records to ensure figures are accurate and in agreement, thus arriving at profit/loss figures. This further enhanced internal control systems and procedures to mitigate risk and support opportunities.
- Analyzed process and interpretation of financial transactions for identifying variances by using Management by Exception.
- Representation of final report including suggestions in Management meetings of the company to get significant cost reduction in order to maintain high return of asset.
Education
MBA - Finance And Supply Chain & Operations Management
International School of Business And Media
Pune 06.2016 - 03.2018
Bachelor of Science - Mathematics, Physics And Computer Science
Guru Nanak Dev University
Amritsar, Punjab 06.2012 - 07.2015
Skills
Forecasting techniquesundefined
Additional Information
• Awarded for 1H22 in appreciation for woking on complex deals and presenting them lucidly, which was also appreciated by various CRDs.
• Received Quarterly appreciations on highest productivity at Acuité Ratings and Research Limited
• Received Appraisal letters from the company's CEO during Internship in ERGODE IT SERVICES PRIVATE LIMITED – VIRVENTURES
• Achieved a Scholarship in Mathematics at the State level in School
Interests
Running
Cooking Vegan Food
Long-drives
Swimming
Timeline
Analyst in CTL Underwriting Commercial Banking
JPMorgan Chase & Co.
08.2021 - Current
Senior Rating Analyst
Acuité Ratings and Research Limited
06.2018 - 08.2021
Management Trainee - Rating Analyst
Acuité Ratings and Research Limited, SMERA Ratings Limited
12.2017 - 06.2018
Finance Executive
ERGODE, IT SERVICES PVT. LTD
04.2017 - 06.2017
MBA - Finance And Supply Chain & Operations Management
International School of Business And Media
06.2016 - 03.2018
Bachelor of Science - Mathematics, Physics And Computer Science
Guru Nanak Dev University
06.2012 - 07.2015