DEVISREE ANPUR
London
Summary
Experienced credit management professional with a strong background in underwriting credit reports, analyzing Balance sheets, CMA projections, database management and understanding FCA regulation standards. Proficient in advanced MS Excel, Word, Jira, and income statement analysis of large corporate businesses. Demonstrated expertise in loan review processes, credit evaluation and recommendation, credit risk assessment, cash flow analysis, and credit exposure monitoring. Committed to delivering exceptional customer service and maintaining high standards of customer service orientation. Career goal includes leveraging analytical skills to enhance financial stability and risk management within a dynamic organization.
Overview
1
1
Certification
4
4
years of post-secondary education
11
11
years of professional experience
Work history
Credit analyst
FIVESTAR BUSINESS FINANCE LIMITED
HYDERABAD, INDIA
2015.10 - 2024.08
- Analyzed financial statements and underwriting credit reports to assess the creditworthiness of individuals and businesses, cash handling and regulatory requirements
- Maintenance of documentation of corporate loans (companies, commercial, retail stakeholders) and review reports; look after disbursements as per sanctioned limits
- Perform in-depth data analysis on credit performance of industry stakeholders, providing insights to improve credit enhancement, credit investment strategies and optimize fund performance.
- Support Senior Project Analysts and Project Consultants to undertake project work; ensuring delivery in line with project deadlines and client expectations
- Conducted risk assessments and make recommendations on credit lines, loans, and other financial products within credit eligibility ceilings and exposures.
- Present underwriting appraisal report as per credit policies before concerned credit committee with suitable credit recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing, processing charges etc and communicate the sanction copy to client.
- Ensured that collateral securities are properly mortgaged, valuation of securities, legal scrutiny reports are in force for secured credit limits abiding with statutory guidelines.
- Ensured compliance with AML/ KYC and as per company policies and regulatory requirements in the credit approval process and the exposures are sanctioned within delegated powers.
- Preparing annual reviews by assigning risk ratings, addressing all relevant risks.
- Preparation of monthly reports / financial returns for presenting to the credit committee / senior management and regulatory authorities.
- Handling of portfolio management involving client meetings to gain understanding of their business, financial performance & risks. Proficient in analyzing counterparty risks.
- Monitoring of allocated portfolio and industries for material developments affecting credit quality and the initiation of appropriate action.
- Monitored loan performance and creditworthiness through the lifecycle of business and worked with stakeholders to manage overdue accounts and negotiate payment terms.
- Successfully managed the integration of new projects ensuring delivery in line with project deadlines and client expectations, reducing processing time better than earlier.
- Assisted in the development of finance management policies and updating relevant administration databases and systems, leading to improved client satisfaction and compliance rates.
- Collaborated with internal teams reviewing policies, procedures ensuring alignment with regulatory requirements.
- Prepared documentation on loan repayment feasibility.
- Prepared reports detailing the degree of risk involved in extending credit or lending money, aided decision making processes.
Audit analyst
JYOTHIKRISHNA HATCHERIES
HYDERABAD, INDIA
2014.01 - 2015.04
- Led training sessions, increased staff knowledge on new auditing regulations.
- Demonstrated strong ethical standards throughout the conduct of all audits, maintained high levels of integrity and professionalism.
- Ensured precision in financial reporting with thorough audit processes.
- Managed diverse portfolio of clients, ensured timely delivery of audit reports.
Education
BACHELOR OF TECHNOLOGY - INFORMATION TECHNOLOGY
JNTUH
INDIA 2008.01 - 2012.01
Skills
- Advanced MS Excel
- Word and PowerPoint
- Underwriting credit reports
- Database Management, Jira
- Understanding of FCA regulations
- Loan review processes
- Income statement analysis
- Credit risk assessment
- Cash flow analysis
- Credit management
- Customer service orientation
- Credit exposure monitoring
- Post Lending Management
Certification
- Cybercrimes and fraud management
- Financial Risk Manager
- Digital Banking
- Certificate in MSME
AWARDS, ACCOMPLISHMENTS, AND HONOURS
Best Credit Analyst in 2018 and 2022
Affiliations
- Painting
- Cooking
Timeline
Credit analyst
FIVESTAR BUSINESS FINANCE LIMITED
2015.10 - 2024.08
Audit analyst
JYOTHIKRISHNA HATCHERIES
2014.01 - 2015.04
BACHELOR OF TECHNOLOGY - INFORMATION TECHNOLOGY
JNTUH
2008.01 - 2012.01