Remote Financial Analyst Sumit Lakra, Business, Accounting, Human Resources & Legal

Dynamic and motivated business developer with 5+ years experience dedicated in creating innovative solutions and spearheading financial growth. Strategic and analytical executive that works with cross-functional teams to streamline operations and improve efficiencies. Action-oriented finance analyst with excellent budget forecasting, management and team-handling.

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