Credit and Risk Analyst Rikin Shah, Business, Accounting, Human Resources & Legal

EXPERIENCE Wendy’s, Hawthorne, NY Cashier | Aug. 2014 – Oct. 2016.  Reliable and friendly cashier with strong cash handling and customer service experience. Proven record of working effectively in a dynamic environment, managing cash register and performing related accounting procedures. Exceptional time management and multitasking skills. Focused on providing customers with excellence in check out services. Shift Supervisor | Oct. 2016 – July 2017.  Dedicated and hardworking shift leader with experience in providing leadership in a fast food restaurant environment. A customer service-oriented and practical individual who gets along well with both coworkers and supervisors. VIP Country Club, New Rochelle, NY Waiter | June 2016 – July 2017.  Experience in creating and maintaining an inviting environment for patrons. Exceptionally handles first tier tasks by providing excellent food service aimed at recurring business opportunities. Well-versed in observing patrons and respond to their needs in a preemptive manner. Special talent for recognizing problems with orders and resolve them immediately. Target, Mount Vernon, NY General Merchandise Expert | Nov. 2018 – Aug. 2019.  Resourceful and self-confident store associate with over experience working in diverse retail environments. Effective and persuasive with a solid track record of meeting deadlines consistently. Taconic Innovations Inc, Mount Vernon, NY Direct Support Professional | Aug. 2019 – Jan 2020.  Works closely with people with intellectual/physical disabilities with the aim of assisting the individual to become integrated into their community or the least restrictive environment. EDUCATION  Nellie A. Thornton High School, Mount Vernon, NY Graduated June 2016.  Westchester Community College, Valhalla, NY Graduated May 2020. AWARDS AND ACKNOWLEDGEMENTS  Associate Degree in Business Administration (A.A.S)  Certificate of Recognition for research and participation in the Westchester Biotech Symposium.  Member of the Great Potential Liberty Partnership Program.

Following are the primary skills acquired by me during my academic and professional stints: 1. Finance 2. Financial Management 3. Financial Analysis 4. Financial Research 5. Risk Management 6. Credit Risk Management 7. Accounting 8. Mathematics 9. Research

Experienced Financial Analyst with a demonstrated history of working in the US-Based and India-Based Industries i.e E-Commerce and Financial Services industry. Skilled in Financial Planning & Analysis, Financial Reporting, Financial Valuation, Reconciliation, Auditing, Financial Profit Plans and Forecasts, Financial Accounting, SAP FICO, Oracle Database (NetSuite), and Microsoft Office applications with Advanced Excel. Strong finance professional with a Master of Business Administration - MBA focused on Finance from IMS UNISON UNIVERSITY.

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