Summary
Overview
Work History
Education
Skills
Work Availability
Certification
Timeline
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PRERNA BANSAL

Credit Analyst
Mumbai

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
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)

National Institute of Bank Management
- 2018-01

BBA - Finance

Shri Shikshayatan College
- 2016-01

Skills

MS Office, SPSS & Stata
Finacle, Tally ERP 9
Academic Achievements
Awarded for securing the 9th Rank in the University in BBA (Honours), 2016
The Hindu- Business Line on Campus: Semi-finalist in the Boardroom Challenge, 2018
Got Pratibha Puraskar by Sanmarg (A Leading Hindi Daily in India) for evident performance in Hindi in Class 10th & 12th
Received Certificate of Achievement in Momentum Basic, a Soft Skills course organized by Winno Minds

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Certification

Pursuing FRM (Financial Risk Management) from GARP
NCFM Certification in Equity Derivatives Module
CFA Institute Certification in Investment Foundations Program
Certificate of Merit for outstanding performance in the National Quiz on The Insolvency and Bankruptcy Code
Academic Project (PGDM)
Project: Banking and Finance Project
Period: 2018
Scope: Growth Opportunities and Challenges for Payments Banks in India- Digitization of Payments

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
- 2016-01

PGDM (B&FS)

National Institute of Bank Management
- 2018-01
PRERNA BANSALCredit Analyst