Vaishali Singh
Noida
Summary
Dynamic Credit Analyst with extensive experience at National Australian Bank, excelling in financial underwriting and risk assessment. Proven track record in strategic financial planning and compliance oversight, leveraging SQL and Power BI for data-driven decisions. Adept at fostering client relationships and enhancing processes to drive efficiency and success.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Credit Analyst-
Anaptyss India
Gurgaon
06.2025 - Current
- Perform end-to-end mortgage credit assessment for Australian borrowers
- Conduct income verification, serviceability & affordability calculations
- Analyze credit reports, liabilities, and asset profiles
- Review valuation reports and loan documentation
- Evaluate LVR, DTI, DSCR, and risk indicators
- Ensure compliance with APRA and internal lending policies
- Manage loan lifecycle from application to settlement
- Coordinate with brokers and lenders for approvals
Analyst-
National Australian Bank
Gurgaon
06.2023 - 06.2025
- Ensured integrity and protection of financial transactions within security operations team.
- Analyzed business banking customer reports to identify trends and inform decisions.
- Accumulated over five years of experience in corporate and commercial lending.
- Managed auto, machinery, and personal loan processing with a focus on compliance.
- Conducted financial spreading and client portfolio management, including income statements and cash flow analysis.
- Assessed key financial ratios such as DSCR, LTV, DTI, and ROI for credit evaluations.
- Performed KYC checks to verify client documentation and assess risk.
- Created detailed budget reports for strategic planning and investment decisions.
Associate Analyst-
XL Dynamics Pvt. Ltd.
Mumbai
02.2020 - 05.2023
- Assessing risks involved in clients' profiles and identifying their needs to meet their expectations
- Working as an Underwriter in Pre-Risk Analysis Department
- Hands on experienec in FHA, VA and conventional loans.
- Knowledge on Fannie Mae and Freddie Mac guidelines.
- Gained hands on experience on Commercial lending and financial spreading ( income statement, B/S and cashflow's)
- Negotiating/Restructuring the mortgage terms and conditions with lender on behalf of the clients.
- Assessing the credit worthiness of customers through various documents
- Documenting audit reports on exceptions observed during audits and highlighting them to management for timely rectification.
- Analyze credit reports, calculate income, and assess assets, liabilities, and collateral in accordance with agency guidelines.
- Review underwriting conditions and gather necessary documentation for timely processing.
- Making decisions on loan acceptance and risk assessment until funding.
- Reviewing existing processes and procedures during audits of respective areas, and suggesting areas for improvement that enhance controls and simplify process flow.
- Maintaining relationship with clients and providing ongoing mortgage advice and support.
Credit Analyst
Kotak Mahindra Bank
Delhi
04.2019 - 06.2019
- Checked customer's profile for credibility to ensure compliance with lending standards; Evaluated clients' historical data to recommend appropriate financial solutions
- Analyzed the financial statements of the company to assess creditworthiness; Analyzed the ratios of the company to evaluate its financial health
- Approved or rejected loan requests based on the borrower's credibility and potential revenues and losses
- Made decisions related to loan disbursement by assessing risk and potential returns
Education
PGDM - Finance and Marketing
Jaipuria Institute of Management
NoidaB.Com. - Finance and Accounting
Allahabad University
PrayagrajSkills
- Financial underwriting expertise
- Strategic financial planning
- Budgeting techniques and forecasting methods
- Risk evaluation and assessment
- SQL proficiency for data analytics
- Power BI for business intelligence
- Transaction oversight and compliance knowledge
- KYC regulations understanding
- Industry research and process enhancement
- Regulatory audit experience
- Client relationship development
- Effective decision-making skills
- Problem-solving capabilities in finance
- Proficient in MS Excel, Word, PowerPoint
- Strong verbal and written communication skills
- Performance monitoring methodologies
Certification
Skill Enhancement & Employee Development Program (SEED) Amazon Web services beginner
Projects
Metro Cash and Carry, 02/01/19, 03/31/19, Collected primary data through offline sources and gathered customer feedback to gain clarity about store operations; Analyzed feedback and suggested marketing strategies to the sales team based on the findings.
Languages
- Hindi
- English, C2
- Hindi, C2
Social Networks - Linkedin
http://www.linkedin.com/in/vaishali-singh-4953a0171
Timeline
Credit Analyst-
Anaptyss India
06.2025 - Current
Analyst-
National Australian Bank
06.2023 - 06.2025
Associate Analyst-
XL Dynamics Pvt. Ltd.
02.2020 - 05.2023
Credit Analyst
Kotak Mahindra Bank
04.2019 - 06.2019
PGDM - Finance and Marketing
Jaipuria Institute of Management
B.Com. - Finance and Accounting
Allahabad University