Credit Risk Analyst

PARTH KAPADIA

**************@*****.*** 201-***-**** https://www.linkedin.com/in/parthnkapadia/ PROFESSIONAL EXPERIENCE

Goldman Sachs Salt Lake City, UT

Credit Risk Analyst Nov 2024 - Present

• Conducted stress testing on hedge funds to evaluate credit risk exposure, analyzing liquidity, leverage, and portfolio concentration risk.

• Applied SQL and Python to automate data extraction and analysis processes, reducing manual workload by 25% and enhancing accuracy.

• Generate weekly reports on due and overdue funds by shortfall tier and CPE, ensuring accuracy and timely escalation of discrepancies.

• Engaged with hedge funds with AUM of $200+ billion to gain insights into performance, investment strategy, and asset composition.

• Identifying counterparty credit risk exposure for each hedge fund and conducting daily margin calls to maintain collateral adequacy.

• Evaluated VAR for hedge funds trading equity products to assess risk exposure and adjust risk limits based on market conditions.

• Onboarded new clients by providing accurate credit risk coverage and assessing them through Due Diligence Questionnaires (DDQs). Lipe & Dalton Edgewater, New Jersey

Credit Risk Intern Jun 2024 – Sep 2024

• Supported loan transaction execution, including deals, amendments, and refinancings, coordinating with internal and external teams.

• Periodically reviewed and updated procedures to enhance efficiency and maintain alignment with evolving regulatory and policy changes.

• Managed pre-closing coordination with Credit, Finance, Loan Agency, and external clients to ensure timely and compliant deal execution.

• Responded to transaction-related inquiries from the Front Office, Controllers, and Back Office, ensuring timely information flow.

• Leveraged Alteryx software to streamline risk management data analysis, improving accuracy and reducing processing time by 22%.

• Incorporated global market trend analysis and insights into strategies, increasing portfolio resilience during foreign market volatility.

• Compiled research reports for the management in the Fixed Income products sector using Bloomberg, FactSet, and S&P Capital IQ.

• Designed an advanced Excel spreadsheet with VBA and Macros to track economic indicators, improving forecast accuracy by 27%. Motilal Oswal Financial Services Mumbai, Maharashtra Institutional Equity Research Nov 2022 – Jun 2023

• Initiated coverage on 5 companies, producing industry analysis reports and financial reviews that increased investor interest by 23%.

• Updated financial models during earnings season utilizing DCF, Comparable Company Analysis, and Precedent Transaction Analysis.

• Covered Oil & Gas, Specialty Chemicals, and Aviation sectors, providing insights to inform strategic investment thesis and decisions.

• Created, maintained, and evaluated Excel VBA-based financial data analytics models by utilizing Bloomberg terminal and FactSet.

• Monitored investment performance, developed financial forecasts, and participated in weekly investment committee meetings.

• Customized DCF valuation templates that reduced model-building time by 45%, significantly improving team’s operational efficiency.

• Undertook due diligence on Vinati Organics' brownfield project, assessing its market impact and projected $550 million in ATBS sales.

• Assisted in the creation of over 100 reports for investment teasers, company and sector earnings notes, and initiating coverage notes.

• Collaborated with Senior Equity Traders, Sales and Financial Advisors to conduct risk assessments and provide advisory to clients. Jans Copper Pvt Ltd Mumbai, Maharashtra

Financial Analyst Apr 2021 - May 2022

• Integrated ERP systems, including SAP, to streamline financial reporting, reducing report time by 15% and improving data accuracy.

• Liaised with cross-functional teams to build valuation models, successfully securing two large-scale projects and improving efficiency.

• Reduced the cash conversion cycle from 150 to 111 days by optimizing receivables, payables, and inventory turnover, enhancing CF.

• Negotiated financing that reduced interest rates by 100 basis points, reduced expenses by $120,000 and thus improving profit margins.

• Executed analysis and identified growth opportunities for the firm, increasing market share by 19% and boosting revenue by $1.2M.

• Utilized QuickBooks to manage accounts, reducing discrepancies by 20% and improving financial reporting, accuracy and efficiency.

• Assisted in forecasting the budget for the company's expansion strategy, leading to a significant 19% year-on-year top-line increase.

• Coordinated with cross-functional teams to implement a streamlined expense reporting system, reducing processing errors by 22%.

• Participated in financial forecasting exercises that improved capital planning effectiveness and reduced forecast variances by 18%. EDUCATION

Simon Business School, University of Rochester (Merit Scholarship Recipient) Rochester, New York Master of Science in Finance (A STEM-Certified Program) Dec 2024

• Leader/Member: Analyst at the Meliora Fund & Simon Finance and Investment Club (SFIC)

• CFA Level 1 Candidate

ADDITIONAL INFORMATION

• Technical Skills : Advanced MS Excel Visual Basic Bloomberg Terminal S&P Capital IQ FactSet Alteryx Python SQL MS PowerPoint MS Word DCF Valuation Anaplan SAP CCA PTA QuickBooks

• Certifications: Securities market analysis (NISM Series XII Securities Market Foundation Certification) Financial Modelling and Valuation Expertise (Udemy Financial Modelling and Valuation Certification) Wall Street Prep Equity Market Securities (EMC) Wall Street Prep Fixed Income Securities (FIMC).

• Community Leadership: Mentor at The Lighthouse Project in India - One on one mentorship for a child from an under resourced community of Mumbai Encourage and facilitate development of essential life skills, social skills, extra-curricular achievements and support in Academics when required.

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