Credit Analyst Financial

RAJESH DIGAMBAR SAWANT Contact: +91-842*******/992*******

E-mail:************@*****.***

OBJECTIVE:

To obtain a significant and challenging position as Credit Analyst wherein I will learn and excel in finance operation process. And to employ my analytical skill which will give immense benefit to my employer.

PROFESSIONAL SNAPSHOT:

MBA (Finance) professional having above 4.5 Years of experience which includes conduct ratings for corporates

Experience includes performing Financial Statement Analysis for Corporates.

Have hands on experience in Credit and Ratio analysis for small and medium corporates.

Have proven track record to prepare Financial Forecast using historical data.

WORK EXPERIENCE:

Organization: Jai Kisan

Designation: Credit Analyst

Period: 23rd Aug 2021– Till Date

Role:

Conduct Credit assessment of Small and Medium Size entity based on proposed amount.

Assess financial statement through Ratio Analysis, and assess the repayment ability of entity.

Prepare internal ratings for proposal using analytical skill.

Prepare complete CAM report using all risk analysis, ratio analysis and constraints of the proposal.

Understand Business model and viability of project using analytical approcach.

Present proposal to Credit Committee and get sanction approval.

Organization: Axis Bank

Designation: Credit Analyst (Deputy Manager)

Period: 08th Sept 2020– 31st Dec 2020 (left Due to Health Issue)

Role:

Perform internal ratings for large corporates using qualitative and quantitative data.

Perform complete Financial analysis of business entity and have interaction with management to understand business plans and utilization of funds.

Prepare CAM report and identify potential threat of Business entities

Conduct in –depth Ratio analysis of Business entity while taking credit risk factors.

Work on Working Capital and term loans proposals for large corporates.

Organization: Neo Growth Credit Pvt Ltd

Designation: Executive

Period: 23rd May 2019 – 07th Sept 2020 (Process closed Due to COVID)

Role

Prepare Credit ratings Based on Financial analysis and discussion with management.

Analyze Credit report and financial statements of Business to grant a Loan.

Responsible to prepare CAM report for underwriting purpose.

Have interaction with key personnel of management with current proposal to understand Business model.

Organization: Cargo Service Centre

Designation: Associate

Period: 05th November 2018 – 18th January 2019 (Process Shut Down)

Role

Preparing MIS report for daily management reporting.

Prepare Budgets for upcoming month and quarter after discussion with management.

Coordinate with stakeholder for various transaction and for debtors follow-up

Assist in calculating various financial ratios for smooth-flow of Business.

Organization: Quatrro Mortgage Solutions Pvt. Ltd

Designation: Associate

Period: 4th July 2016- 10th December 2017 (Process got shut-down)

Role:

Analyze Income, Balance sheet and Cash flow statement for underwriting purpose.

Assess business future projection earnings looking into historical.

Conduct Credit analysis while looking into Credit report and Income documents.

Asses Debt capability of a person looking into Credit report and Income sources

Assist in calculating Debt-Income ratio for qualifying Income.

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Organization: Advanced Travel Partner Instone ltd

Designation: Executive

Period: 24th Aug 2015 to 29thFeb 2016 (worked for Temp Basis)

Role:

Preparation, review and analysis of monthly management reports

Conduct ratio analysis and provide commentary to management

Assist in preparation, review & consolidation of Group Budgets and forecast.

Organization: State Street Syntel Services Pvt Ltd

Designation: Associate

Period: 15th Feb2010-1st March 2011 (Left for Higher Studies)

Role:

Perform due diligence process for (AMC) Asset Management Company.

Perform trade settlement for corporate fund and keep track on NAV for valuation.

TECHNICAL CERTIFICATION:

Certified in MS-Office.

Certified in advance excel.

EDUCATIONAL QUALIFICATIONS:

Course

Institute/college/

School

University/Board

Specialization

%

Year of

Passing

Master of Management Studies

Sinhgad Institute of Business Management

Mumbai University

Finance

63.87

2014

T.Y.B.Com

K.E.S Shroff college of arts & Commerce

Mumbai University

Commerce

50.28

2012

H.S.C

K.E.S Shroff college of arts & Commerce

Maharashtra Board

Commerce

62.17

2006

S.S.C

Indian Education Society High School

Maharashtra Board

60.80

2004

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