PRERNA BANSAL
Credit Analyst
Mumbai,Maharashtra
Summary
A result-driven & high energy driven professional; pursuing assignments in Credit Rating, Credit Analysis, Credit Appraisals and Product Management
Overview
8
8
Certifications
3
3
years of professional experience
Work History
Credit Analyst
Since May’18 CSB Bank Ltd
Mumbai
2018.05 - Current
- Credit Analyst- Key Result Areas:.
- Responsible for credit analysis needed to substantiate credit decisions for new and existing mid and large corporate clients.
- Executing credit underwriting of secured and unsecured loan products while complying to TAT norms for timely disposal of credit proposals.
- Undertaking credit analysis of Corporates by identifying business and financial risk based on the business model, financial statement analysis and preparing cash flow model.
- Preparing CAM, assigning internal rating and submission of Credit Reports with recommendations to senior authorities for approval
- Managing complete functions of TReDS Product including launching of product, undertaking sanction of credit limit to the buyers, administering bidding processes and tracking repayment.
- Product Management-Key Result Areas:
- Responsible for successful development and launch of Supply Chain Finance Products - Vendor Financing, Dealer Financing, TReDS and Letter of Credit Discounting; articulating the business value to the cross-functional team to define product roadmap.
- Getting approval from the Product Team & senior management and driving the product launch across the branches.
- Analyzing & specifying the credit parameters for all newly launched supply chain finance products; preparing, analyzing & executing credit reports.
Summer Intern
Axis Bank Ltd
2017.04 - 2017.06
- Analyzed credit with respect to Tea and Construction Industry in India.
- Worked closely with Regional Credit Head to reconsider credit parameters for evaluation of industry risk.
Education
PGDM (B&FS) - undefined
National Institute of Bank Management
BBA - Finance
Shri Shikshayatan College
Skills
MS Office, SPSS & Stataundefined
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Certification
Pursuing FRM (Financial Risk Management) from GARP
Timeline
Credit Analyst
Since May’18 CSB Bank Ltd
2018.05 - Current
Summer Intern
Axis Bank Ltd
2017.04 - 2017.06
Scope: Growth Opportunities and Challenges for Payments Banks in India- Digitization of Payments
Period: 2018
Project: Banking and Finance Project
Academic Project (PGDM)
Certificate of Merit for outstanding performance in the National Quiz on The Insolvency and Bankruptcy Code
CFA Institute Certification in Investment Foundations Program
NCFM Certification in Equity Derivatives Module
Pursuing FRM (Financial Risk Management) from GARP
BBA - Finance
Shri Shikshayatan College
PGDM (B&FS) - undefined
National Institute of Bank Management