Credit Analyst Abhinav Kumar, Business, Accounting, Human Resources & Legal

•Travel Blooger/Writer • Knowledgeable in MS office like word and excel • Can get along with other people • Hardworking, honest, patient and competent • Trainable and well organized • Real Estate Digital Marketing • Self-motivated and strong belief in decentralization • Know to General Ledger (GL) System,Quibooks and SAP. • Flexible in shifting work hours. • Can work independently

Ability to perform exceptionally well under pressure, ability to learn and adopt quickly to new environments, Possession of key Managerial skills, ability to train people effectively, never give up attitude, high accuracy in work, Team player, High degree of self-motivation, Loyal, Creative, excellent communication skills, and High level of Integrity. I have 25 years experience in accounting and have international exposure in Accounting field. timely deliver and precise reports.

Evaluating the financial status of potential customers, monitoring existing clients, performing risk assessments, writing detailed reports, and making informed decisions while extending credit. Credit analysis, due diligence, risk reporting basis profit and loss statement, balance sheet and cash flow statement of companies/firms Underwriter for working capital, term loans, export finance, mortgage loans for MSME & Corporate clients, covering both the qualitative and quantitative aspects of the economy, sectors and company being analyzed Broadly analyze companies based on their audited financials, ratios, debt service coverage ratio, cash flows, promoter expertise, collateral, asset coverage ratio and compare them with their peers in the industry Evaluating risk profiles of clients and provide credit ratings from time to time & structure products as per company profile to reduce risk for the stakeholders Keeping abreast with changing industry dynamics, global economic conditions to be better equipped at dealing with complex situations & follow RBI guidelines and be updated with the changes in policies and rates Well versed with break-even analysis, stress testing, SWOT, NPV, IRR, VaR, hedging strategies, forward, futures, options, capital asset pricing model, portfolio analysis, fixed income securities and capital market Adept at working with large volume of data in excel with an eye for detail. I have a strong analytical and problem solving skills with ability to perform data analysis. Client/site visit to understand the business model and working capital requirement (Cash credit, Overdraft, Term loan, FCTL, PCFC, EPC, Letter of credit, Bank guarantee etc) Expert at preparation of opinion based reports covering detailed analysis of promoter profile, business, industry,management, financial risk & mitigates and making recommendations to the Risk department head/ committee with appropriate covenants NPA & Potential NPA analysis and liaising along with the business and recovery team to formulate strategies to recover delinquent accounts Proactively monitoring the assigned portfolio by tracking the industry & economic conditions Delivered the best turn around time, and managed customer and internal queries with highest standards of ethics, including regulatory and business conduct, across the Bank

Working as a CUSTOMER SERVICE REPRESENTATIVE is really my passion. I am well equipped with enough knowledge in terms of Communication Management. I am a 4 years college Graduate in Bachelor of Science in Technology Communication Management.