Vivek Sharma
Financial Analyst
Mohali,PB
Summary
Proven Financial Analyst with a track record of optimizing client financial outcomes at Ozfin Solutions Pvt Ltd. Excelled in financial modeling and relationship management, enhancing loan servicing by recommending competitive lending solutions. Skilled in credit analysis and financial statement analysis, consistently improved client creditworthiness and portfolio management.
Overview
4
4
years of professional experience
Work History
Financial Analyst
Ozfin Solutions Pvt Ltd
02.2024 - Current
- Client Consultation & Requirement Analysis: Engaged with clients to assess their financial needs for various loan types, including Home Loans, Asset Loans (e.g., vehicles, equipment), and Commercial/Business Loans.
- Funding & Servicing: Facilitated loan funding and servicing based on the financial information provided by clients, ensuring compliance with financial regulations and company policies.
- Lender Recommendations: Analyzed client financial profiles to recommend optimal lending solutions from a diverse range of banks and lenders.
- Credit Assessment: Conducted comprehensive credit searches and Equifax credit reports to evaluate existing liabilities and creditworthiness of clients.
- Relationship Management: Maintained and nurtured relationships with multiple financial institutions to negotiate competitive interest rates and benefits for clients, tailoring solutions to individual financial situations.
Credit Analyst
PGEIN Pvt Ltd
12.2022 - 01.2024
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
Credit Analyst
Axis Bank
10.2020 - 11.2022
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Gathered loan documentation for underwriting.
Education
MBA - Banking And Financial Support Services
Chandigarh University
Chandigarh, India 05.2001 -
Bachelor of Commerce - Financial Accounting
Govt Post Graduate College
Una 05.2001 -
Skills
Microsoft Excel
Financial statement analysis
Financial Modeling
Portfolio Management
Credit analysis
Timeline
Financial Analyst
Ozfin Solutions Pvt Ltd
02.2024 - Current
Credit Analyst
PGEIN Pvt Ltd
12.2022 - 01.2024
Credit Analyst
Axis Bank
10.2020 - 11.2022
MBA - Banking And Financial Support Services
Chandigarh University
05.2001 -
Bachelor of Commerce - Financial Accounting
Govt Post Graduate College
05.2001 -
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