Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Smriti Dureha

Delhi,

Summary

An experienced credit analyst with a strong background in financial analysis, risk assessment, evaluation of creditworthiness, analysis of financial statements, and adept at industry research. Proven ability to make sound credit decisions, communicating findings effectively and collaborating with cross-functional teams.

Overview

4
4
years of professional experience

Work History

Credit Analyst

HSBC, Bangalore Urban
10.2021 - Current
  • Conduct credit analysis and assign internal credit ratings to banks, NBFIs, sovereign wealth funds and corporates in the global banking segment based out of Middle East.
  • Undertake thorough review of credit facilities, security structures, financial & industry analysis for clients.
  • Support relationship managers with new to bank and existing clients to set internal ratings and credit facilities with a record turnaround time.
  • Was instrumental in integrating the corporate & FIG segments by conducting training sessions and presentations for fellow corporate colleagues.
  • Trained new joiners, took on mentoring and performed quality checks to bring them up the learning curve.
  • Streamlined FIG processes through creation of checklists and credit templates.

Account Manager, Transaction Banking

ICICI
05.2021 - 09.2021
  • Delivered engaging and polished presentations to build connections with potential customers and distinguish business from competitors.
  • Secured high-value accounts through consultative selling, effective customer solutions and promoting compelling business opportunities.
  • Listened attentively to client feedback to create stronger relations and shape business.
  • Liaised with external customers and internal departments to provide and gather information enabling customer requirements to be met.
  • Developed pipeline to monitor sales progress and boost company revenue.

Finance Intern

Aditya Birla Group
04.2020 - 06.2020
  • Project on comparative and fundamental analysis of major pharmaceutical players in Indian market and prepared an equity research report and financial model of major Pharmaceutical companies
  • Make relative valuation comparison and investment recommendation to portfolio management team
  • Actively tracked global financial markets, macro-economic scenarios and its impact on pharmaceutical companies.
  • Handled 50-60 calls per day to address customer inquiries and concerns.

Education

Master of Business Administration - MBA - Finance

Symbiosis Institute of Management Studies
Pune, MH
05.2021

Bachelor of Commerce - BCom - Business, Management, Marketing

MCM DAV College
Chandigarh, CH
07.2018

High School Diploma -

Air Force Bal Bharti School
New Delhi
06.2015

Skills

  • Financial statements expertise
  • Financial statement review
  • Customer Relations
  • Credit validations
  • Verbal and written communication
  • Problem-Solving

Accomplishments

  • HSBC - Awarded star performer of the credit analysis unit
  • HSBC - Achieved over 250% productivity during peak periods by completing reviews, urgent new money requests with accuracy and efficiency.
  • HSBC - Successfully trained and conducted knowledge sharing sessions for new joiners and seasoned professionals as a 1st year credit analyst to drive efficient transformation and integration of corporate and FIG departments.
  • Selected and recommended for the Indian Army; All India Rank 32

Timeline

Credit Analyst

HSBC, Bangalore Urban
10.2021 - Current

Account Manager, Transaction Banking

ICICI
05.2021 - 09.2021

Finance Intern

Aditya Birla Group
04.2020 - 06.2020

Master of Business Administration - MBA - Finance

Symbiosis Institute of Management Studies

Bachelor of Commerce - BCom - Business, Management, Marketing

MCM DAV College

High School Diploma -

Air Force Bal Bharti School

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Smriti Dureha