Detail-oriented finance professional with 3 years of experience in credit underwriting and financial operations. Specializes in end-to-end loan processing, credit risk evaluation, and regulatory compliance. Skilled in analyzing financial data, reviewing UCC filings, detecting fraud, and ensuring accurate credit decisions through due diligence. Adept in streamlining workflows, supporting audits, and collaborating across teams to drive operational efficiency. Proficient in Salesforce, JIRA, Tally ERP9, and Excel. Strong track record in improving turnaround times and maintaining data integrity.
Overview
3
3
years of professional experience
3
3
Certifications
2
2
Languages
Work History
Credit Analyst
Kapitus Strategy Services Private Ltd
09.2023 - Current
Conducted comprehensive credit analysis by reviewing financial statements, tax returns, cash flow analysis, and bank transaction trends to assess borrower risk profiles and determine creditworthiness.
Evaluated personal and business credit reports (Experian, Equifax, D&B, etc.), assessing financial reliability, credit risk, and repayment capacity to recommend loan approvals or declines.
Performed thorough due diligence, including background checks and fraud detection, uncovering discrepancies or red flags in client-submitted documents to ensure data integrity.
Assessed credit risk exposure and made underwriting decisions for approvals, modifications, or declines based on internal policies, credit guidelines, and regulatory requirements.
Reviewed and verified critical financial documents, including P&L statements, balance sheets, tax filings, KYC (Know Your Customer), and legal contracts to ensure compliance with underwriting standards.
Created risk grading reports based on financial health, repayment history, market trends, and asset evaluation, documenting rationales for each decision.
Collaborated with loan officers, underwriters, and cross-functional teams in the U.S. to ensure smooth credit decisioning, accurate document submission, and timely approval processes.
Identified fraudulent transactions and suspicious patterns, escalating potential fraudulent applications, and contributing to enhanced compliance and loss prevention strategies.
Determined maximum loan amounts and credit limits based on financial strength, collateral analysis, risk classification, and historical repayment behavior.
Participated in credit committee discussions, presenting comprehensive risk assessments and aligning lending decisions with the organization's risk appetite and financial goals.
Ensured compliance with federal, state, and local lending regulations and ensured regulatory adherence across all underwriting processes, minimizing legal and reputational risks.
Consistently met or exceeded SLA targets for credit processing, contributing to improved turnaround times, operational efficiency, and customer satisfaction.
Monitored post-disbursement loan performance, including early delinquency detection, default risk analysis, and reporting for risk mitigation strategies.
Coordinated with automation teams to design rule-based credit decisioning systems, streamlining underwriting workflows and increasing efficiency and accuracy in processing.
Contributed to updating and refining credit policies, underwriting guidelines, and documentation procedures in line with industry best practices, regulatory updates, and evolving business requirements.
Operations Analyst
Kapitus Strategy Services Private Ltd
08.2022 - 09.2023
Evaluated loan applications based on financial data, assessing risk factors, credit history, and collateral valuation to ensure sound lending decisions.
Managed loan approval workflows, collaborating with underwriting teams to ensure the timely processing of credit applications and adherence to loan policies.
Conducted in-depth stress tests and financial scenario analysis to evaluate the impact of market fluctuations on loan repayment capacity.
Facilitated collateral assessments and property appraisals, ensuring proper evaluation of assets to mitigate risk and align with loan terms.
Monitored credit exposure and assessed potential impacts of portfolio diversification, working closely with the risk management team to balance risk and return.
Ensured compliance with industry regulations such as Basel III, Dodd-Frank, and anti-money laundering (AML) policies during underwriting and credit evaluations.
Optimized underwriting processes by implementing automated credit decisioning systems, reducing manual effort and improving accuracy in loan approvals.
Supported financial operations by tracking loan performance, analyzing delinquencies, and creating reports for internal stakeholders to highlight emerging risks.
Participated in portfolio risk reviews, identifying high-risk accounts and proposing mitigation strategies to reduce defaults and improve loan recovery rates.
Provided credit risk insights to senior management, recommending changes to lending criteria, credit policies, and operational procedures based on market trends and financial performance data.
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