Credit Analyst Resume
CA
SUMMARY
- Project Management, Business Transformation, Financial AnalysisProject finance professional with 6+ years of experience in Banking and IT infrastructure implementation project coordination, managing business process improvement and transformation projects for financial
- institutions and management consulting firms like Confidential,.
- Comfortable working with MS Office, MS Project, Tableau, MS Visio, Salesforce, PEGA, JIRA, Confluence, SharePoint, Six sigma methodologies, Agile and Waterfall methodologies.
- A Quick learner of new ERP
- software. Utilization of Western Digital’s System Development Lifecycle (SDLC) and Project Management Methodology to manage the development, customization, configuration, testing, and implementation of IT systems.
TECHNICAL SKILLS
Project Coordination: Non - IT and IT Software implementation and upgrade
People Management: Internal and External customers
Project Control: Cost Benefit Analysis, Variance Analysis, Ratio Analysis, Cost Control
Financial Analysis: Budgeting, Forecasting, Financial reporting, Accounting and Reconciliations
Service Level: Management for customer excellence, Business Continuity Planning and Vendor Management
PROFESSIONAL EXPERIENCE
Confidential, CA
Credit Analyst
Responsibilities:
- Analyze loan applications for risk assessment and credit worthiness for loan approvals
- Perform debt ratio analysis, risk return analysis, assess financial statements and check for fraud, process improvement suggestions and communication with functional departments following Bank’s compliance standards.
- Resulting in timely approval for customer helping them buy house on time, increase in interest revenue and improved goodwill for the bank.
Confidential, CA
Project Coordinator
Responsibilities:
- Conduct periodic and post-project reviews to ensure project is on track.
- Ensure all project documentation is updated and conveyed to relevant stakeholders on time.
- Define objectives, requirements and assumptions necessary to structure management project.
- Plan, schedule and control activities to fulfill identified objectives applying technical, theoretical and managerial skills to satisfy project requirements.
- Enforce and develop integrated development plan representing appropriate level of detail.
- Develop task interdependency and project tactics with overall project strategy.
- Establish and maintain high performing team and serve as project advocate within organization.
- Ensure risks have appropriate mitigation and contingency plans
- Perform Variance analysis of expected v/s actual costs, project performance data analysis, cost control, impact on revenues, working on forecasting with stakeholders, making Business Continuity plans, and making suggestions for process improvements and reporting structure.
- Resulting in smooth operations with technical issues resolved on time, project being delivered on time and within budget and overall increase in customer satisfaction scores.
Confidential, CA
Project Manager
Responsibilities:
- Analyze and assess the current financial analysis and reporting structure and to redesign the reporting dashboard and propose improvements and introduction of Salesforce software. Perform audit and cost control.
- Facilitates the creation of business cases, program road-maps, and program governance structures to support Project Managers. Ensures the integrated scope, schedule, budget, and quality of multiple project teams.
- Experience leading teams composed of fee-for-service members and unionized staff members.
- Build, track and update the project plan, prepare project documents and agreements for signoff and report to Stakeholders (CEO and VP Finance) on project progress and milestones achievement.
- Manage the project financial analysis, prepare cost benefit analysis, design the PMO - Project management office on SharePoint.
- Assess SALESFORCE implementation in the current financial reporting structure, perform trial run. Skills - management consulting, software implementation, client servicing and Project planning, Project control,
- Resulting in improved efficiency in member’s fee processing and improved financial management.
Confidential, IN
Project Manager/Project Controller
Responsibilities:
- Skills - Project coordination with stakeholders and vendors, cost benefit analysis, Project cost control, program management, people management, business transition planning and execution. Prepare vendor contracts and consulting with the CEO, CFO and business heads.
- Vendor cost management (IT warehousing and manpower) for HCL’s logistics and enterprise business divisions.
- Successful ramp down of existing and ramp up of new vendors pan India - 32 projects. Created savings worth US$ 570K, transition on time and in budget.
Confidential
Project Manager- Financial Planning and Analysis
Responsibilities:
- Responsible for stakeholder reporting to CFO, CEO and department heads for global business operations.
- Filing VAT returns, budgeting, forecasting, cost - benefit analysis and high variance investigation using Oracle and Hyperion software along with MS Excel. Prepare accounting adjustments and reconciliation. Cost reporting to business heads of various departments.
- Successfully managed cross functional global teams with knowledge transfer resulting in savings for client.
- Post transition cash flow approval management, cost control and ad hoc vendor performance analysis using MS Visio.
- Successful ramp down of old and the ramp up of the new vendors. 75% increase in efficiency, 50% reduction in errors and 50% decrease in handling time.
- Managed EMEA, APAC and NAM regions with cross functional and departmental operation.
Confidential
Project lead/Project coordinator
Responsibilities:
- Each application was like a project because the commercial building had 200+ tenants and for each property, team had to read the leases and calculate potential income, perform underwriting,
- Check credit reports and business financial statements for each tenant, read appraisal reports and make income forecasts and perform cost analysis of the property to calculate the debt ratio.
- dis debt ratio was finally used to decide if Confidential should approve the Commercial loan to the Real estate firm or not.
- I managed the coordination within the team members as well as stakeholder communication on need basis. Provide knowledge transfer and training on need basis.
- Perform project control by ensuring each team members are performing the assigned tasks on time and within scope by doing final review of the work and assessment report.
- Track financial project matrix by making sure only the budgeted resources are working on the project and within deadlines. Regular follow-ups to ensure we are sticking to timelines and 100% Compliance with no errors.
- Skills used - Financial Analysis (income and costs), Risk Analysis, Financial ratio analysis, Investment decisioning, credit assessment of borrower and asset.
- Resulting in successful delivery of Commercial property report with the Bank increasing its Commercial assets funding portfolio 50%
