Experience

Stonebridge Financial Corporation

• Canada
• Financial Services
• 1 - 100 Employee

• Senior Credit Analyst

  • Jun 2023 - Present

• Credit Analyst - Account Relationship Officer

  • Dec 2022 - Jun 2023



Aditya Birla Capital

• India
• Financial Services
• 1 - 100 Employee

• Credit Manager

  • Apr 2018 - Nov 2019

  • Coordinated with sales team of 8 team members for resolution of credit and risk concerns maintaining excellent service levels. • Evaluated & reviewed the loan proposals by analysing the client creditworthiness, business strength, market credibility, financial statement analysis, Income Tax returns, cash flow statements, repayment track record, average bank balance & adherence to other internal credit norms. • Performed direct & thorough investigation to obtain relevant credit information through personal interaction with customer such as field visit on the place of business & also visit to collateral security offered for mortgage. • Undertook detailed external research and market feedback from bankers, suppliers, credit rating agencies, other lenders, etc. and evaluated the proposal in accordance and to avoid fraud. • Compared the client performance vis-a-vis economy and Industry trends. • Identified credit risks for each lending transaction and recommended various covenants as mitigants to bring borrowers risk profile to acceptable levels. Interacted with the Legal and Technical agencies to ensure that property risk have been understood and legal matters have been resolved. Key Achievements: • Structured different credit facilities like for ticket size ranging from $1 million CAD to $2 billion CAD. • Recruited 5 credit processing assistants in year 2019 and identified their credit training needs to facilitate the quick turnaround of credit lending proposals • Prepared around 70 loan applications, established maximum permissible loan amount (credit limits) and determined repayment plans or schedules in accordance with the company policy. • Monitored 10 escrow accounts to ensure escrow adherence in all cases on monthly basis. • Ensured document execution from RMs and handover of complete documentation to Operations team for disbursement of loans & proper mortgage was created in favour of the bank for 30 proposals. Show less



Aditya Birla Finance Limited

• India
• Financial Services
• 700 & Above Employee

• Risk Analyst

  • Dec 2016 - Oct 2017

  • Adhered to the credit policy guidelines given by management and evaluated the proposals by way of trade references, banker reference checks and other available surrogates. • Timely prepared Risk Notes for proposals highlighting the strength and weakness with proper mitigants.• Personal discussion with customers to understand business, cash flows, purpose of loan, etc. and raised the risk concerns.

• Credit Analyst

  • Sep 2014 - Nov 2016

  • Submitted proposals to Risk Team and co-ordinated with sales & risk team members to ensure timely approval of proposals maintaining overall Turn Around Time for approval. • Cross functional co-ordination to enable timely approval of credit proposals and seamless co-ordination with multiple internal and external entities. • Managed the customer relationship by serving day to day operational requirement of the client and kept customer service on priority.• Monitored the account on day-to-day basis, timely payments of term loan instalments and interest payments. Show less

• Relationship Manager

  • Feb 2014 - Aug 2014

  • Business development for ABFL Pune by performing Market analysis, cold-calling to the potential customers and offering the various lines of products as per the customer requirement.• Approached the various Business associates such as Individual Chartered Accountants, DSA’s, Corporate groups etc. for getting the reference of Customers • Conducted the field level market Survey in respect of customer requirement of funds, challenges in the existing market and analysed the existing competition available through multiple players such as Banks and other NBFC’s etc. Show less