1. MUDIT AGGARWAL
~ Credit Analyst – Banking Sector ~
ϒ Balance Sheet Analysis
ϒ Financial Ratios Analysis
ϒ Credit Rating Computation
ϒ Assessment of Fund & Non-Fund Based Credits
ϒ Preparing CMA and Appraisal Notes
ϒ Recommending to Sanctioning Authorities
Currently working with IndusInd Bank Ltd., Delhi.
Previously, worked with State Bank of Hyderabad, H.O. @Hyderabad.
Sound working knowledge in Credit Domain of banking sector
Exceptionally organized track record that demonstrates regularity, punctuality and effective management.
Possess exceptional team spirit thereby helping in accomplishing organizational & personal goals.
An effective communicator with excellent relationship building & interpersonal skills.
IndusInd Bank Limited (18th
February 2015 - Present) Credit Analyst (Manager)
Present [In-Hand Assignments]
Assessment of Fund Based Limits which includes Cash Credit Limits, Term Loans etc.
Assessment of Non-Fund Based Limits which includes Letter of Credit, Buyers Credit, Bill
Discounting under letter of credit, Lease rental discounting and Bank Guarantee.
Section Task Handling Duration
Meeting with the new clients to discuss their needs
Extracting financial ratios from Balance Sheets to
check eligibility with banking parameters
Check with internal/external credit rating, CIBIL
reports, RBI defaulter list, Bank Defaulter list and
RBI SMA Accounts Check
Preparing Credit Appraisal Note to Log-in with Risk
Addressing Queries raised by Risk Dept to get the
INR 25.00 lacs< Ticket size< INR 10.00 Cr
From February 2015 to till
To renew/review existing credit facilities
Modifications and approvals in existing cases as per
needs and requirments of customer
2. State Bank of Hyderabad (02 July 2012 - 27th
December 2015) Credit Officer (Assistant Manager)
• Joined State Bank of Hyderabad on 2nd
July2012 after clearing national level SBI Associates Entrance
Exam for Probationary Officers held in July 2011.
• Appreciation letter from Top Management for fastest implementation of an IT project “Active Directory Services”
in the Gulbarga Zone (Karnataka), State Bank of Hyderabad.
• Certificate for Anchoring of Seminar on “Supply Chain Management-Emerging Trends” during MBA.
• Actively participated in all chess tournaments held in State Bank of Hyderabad.
Well versed in V Lookup, Pivot Table, Formulaes & functions.
ϒ Certificate of “Certified Associate of the Indian Institute of Banking & Finance” (CAIIB), Year-2014.
ϒ Certificate of “Junior Associate of the Indian Institute of Banking & Finance” (JAIIB), Year-2014.
ϒ MBA (IT & FINANCE) from G. G. S. I. P. U, New Delhi in 2011 with 82%.
ϒ B. Tech. (IT) from G. G. S. I. P. U, New Delhi in 2009 with 72%.
ϒ Organised and anchored a seminar on “Supply Chain Management-Emerging Trends” during MBA.
Departments Worked in Task Handling Duration
Interviewing applicants for new loans and
advances for Micro, Small, Medium Enterprises.
Inspecting , processing and recommending loan
proposals to sanctioning authorities
Preparing Credit Monitoring and appraisal data
for recommending the loan proposal
Visiting borrowers and initiate necessary action
to safe guard lent fund and reduce bad debts.
Data Cleansing to meet Basel Capital
Retail Branch Banking
Serving Customers as per their requirements
Assigning tasks to clerks and other staff to run
Resolving Customer issues
Reporting to higher authorities at head office
level and controlling offices
3. Date of Birth : 7th
Address : C 440B Street 20, Bhajanpura, New Delhi-110053.
Languages Known : English, Hindi.
Hobbies : Playing Chess, Indoor Games etc.