SURBHI KOHLI
Summary
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. I am Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
7
7
years of professional experience
Work History
Credit Analyst
Indusind Bank Limited, BBG
05.2021 - Current
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Gathered loan documentation for underwriting.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Managed portfolio of more than 20 clients having ticket size of Rs. 2 cr to Rs. 30 cr.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Made decisions and recommendations about extending lines of credit.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Fostered culture of continuous improvement, encouraging innovation and efficiency in credit analysis techniques.
- Led training sessions on advanced credit analysis techniques, elevating team expertise and performance.
- Contributed to significant reduction in processing times for credit applications, improving client satisfaction and competitive edge.
Legal Consultant
Jilian Consultants Private Limited
03.2019 - 04.2021
- Evaluated intellectual property portfolios for licensing opportunities or potential infringement issues, offering strategic recommendations accordingly.
- Served as an expert witness in court proceedings, providing credible testimony on relevant legal matters.
- Setting up of Branch office, Project office and Liaison office and drafting of all related documents
- Handling FEMA compliances of various companies including filing of FLA returns for various companies, managing all compliances related to foreign inward remittance, filing of application for compounding of offence under FEMA act
- Managing timely completion of NBFC compliances
- Due Diligence of Listed Company, NBFC, Private Limited Companies
- Meticulously handle acquisition of NBFC and Listed Company by Foreign Companies
- Managing Promotion, Formation, and Incorporation of Companies, shifting of Registered office of company from one state to another state, within state
- Drafted comprehensive legal documents including contracts, agreements, and memoranda of understanding for diverse clientele.
Management Trainee Officer
V S Associates
07.2017 - 11.2018
- Maintenance of Secretarial records, Statutory Books & Registers as prescribed under the Companies Act, 2013 of client companies
- Ensured with necessary legal and procedural requirements relating to change of name, change of objects and shifting of registered office of the Company
- Preparation and finalization of forms and documents related to creation/ modification and satisfaction of charge and appointment/ resignation/ removal of Directors, Appointment/Resignation of Statutory Auditors and Secretarial Auditors in accordance with companies Act, 2013
- Assisted in work related to Merger and Demerger (preparation of various documents and gathering of all relevant documents)
- Overseen compounding of offences in accordance with Companies Act, 2013
- Assisted in work related to Listing compliance in accordance with provisions of SEBI Listing Obligations and Disclosure Requirements
- Preparation of Search Report and Due Diligence report
- Research and analysis in the process of preparation of legal opinion on various matters under Companies Act, 2013
- Managing Promotion, Formation, and Incorporation of Companies
Education
CS - CORPORATE FUNDING, COM LAW, FINANCIAL MANAGEMENT
Institute of Company Secretaries of India
New Delhi, India06-2019
Skills
- Goal oriented
- Credit policy development
- Verbal and written communication
- Loan evaluation
- Credit decisions
- Financial statement review
- Loan documentation
- Financial statement, cash flow analysis
- Portfolio monitoring and management
- Risk mitigation strategies
- Underwriting
- Banking regulations
Accomplishments
- Achieved Trend Setter Award by completing credit evaluation with accuracy and efficiency.
- Collaborated with team of 10 members in the development of Vypaar vaar project.
- Won best Project team Award during MSOP (Conducted by ICSI)
- Attended Art of Living and yes plus course by Sri Sri ravi Shankar
- Got exemption in Financial Management and Securities Market in ICSI
- Consistently been awarded as Meet and Above Expectations at work with great Client Feedback and organisational skills.
Hobbies
Love Travelling
Exploring new places, food, culture
Reading
Listening music
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Timeline
Credit Analyst
Indusind Bank Limited, BBG
05.2021 - Current
Legal Consultant
Jilian Consultants Private Limited
03.2019 - 04.2021
Management Trainee Officer
V S Associates
07.2017 - 11.2018
CS - CORPORATE FUNDING, COM LAW, FINANCIAL MANAGEMENT
Institute of Company Secretaries of India
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