Professional Summary
To be an integral part of the growth oriented organization and work in a challenging and dynamic environment and To contribute to the development of the organization which I represent and serve while concurrently upgrading my skills and knowledge.

Skills
·     Communication and people skills
·     Organizational skills
·     Productivity improvement
·     Risk management
·     Team leadership
·     Attention to detail
Experience
Business Loan Credit Analyst
ICICI Bank | Delhi, India
April 2019 – Current
·     Appraise / underwrite the working capital loan for clients with ticket size upto Rs. 20 Crores.

·     Denied or approved loan applications based on evidence of credit qualifications.

·     Ensured loan applications contained supporting documentation and required information.

·     Personal Discussion with customers and coordinating with the sales team to offer best possible solution to the customers adhering to the policy guidelines of the bank.

·     Reviewing the Creditworthiness of the client based on five C’s of credit in order to determine the likelihood that borrowers will be able to meet their obligations.

·     Examination of collateral and other sources of repayment as well as credit history and management ability.

·     Analysing what effects proposed loan will have on increasing the liquidity and income of the applicant.

·     Maintained compliance with bank underwriting policies and RBI lending regulations.

·     Manage quality of portfolio which include time bound renewals.

·     Working within timelines of delivering sanction letter.
Articleship In Audit & Assurance
Mohinder Puri & Co. | Delhi, India
April 2013 – March 2016
Statutory & Tax Audits

·     Heritage Village Resort & Spa, Manesar (Hospitality Sector) – Fixed Assets Analysis | Debtor / Creditor Analysis | Tax Audit | Expenses Verification

·     Hyatt Regency, Delhi (Hospitality Sector) Fixed Assets Analysis | CWIP & Capitalization | Tax Audit | Creditor Analysis | Expenses Verification | Cash & Bank verification

·     JW Marriott Hotel – Aerocity, Delhi (Hospitality Sector) Fixed Assets Analysis | Revenue | Expenses Verification | Cash & Bank Verification

·     Trail Blazer Tours India Private Limited (Travel and Tourism Sector) Loans & Advances | Revenue Analysis | Fixed Assets Analysis | Debtor / Creditor Analysis | Expenses Verification |Cash & Bank Verification
Education
Pursuing CFA Level I (due in December 2019)

CFA Institute, New York, United States
Chartered Accountant

Institute of Chartered Accountants of India,, Delhi, India
November 2018
Bachelor of Commerce

Delhi University, Delhi, India
June 2013
High School | Guru Nanak Public School
January 2010
Languages
·     English

·     Hindi

·     Punjabi
Additional Information
Awards & Positions held:

·     Awarded as “Chess Champion” for the year 2008-09 by Guru Nanak Public School.

·     “Captain” of Guru Nanak Public School’s Hockey Team for the year 2008-09.

·      “School Prefect” for the two consecutive years 2008-10.