Credit Analyst Resume Sample

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Commercial credit analyst with seven years assessing mid-market lending risk for a scheduled bank, covering a portfolio of roughly 120 borrowers worth around ₹900 crore. Spreads and interprets financial statements, builds cash-flow and covenant models, and writes the credit memos that go to committee. Pairs hard analysis with sector judgement — knowing when a soft ratio is a real warning and when it's just a lumpy year. Helped hold the book's NPA rate below 1.5% through a tightening cycle by flagging two stressed accounts early enough to restructure. Comfortable presenting a recommendation to senior credit committee and defending it. Looking for a lender that values rigorous, independent credit judgement over rubber-stamping.

Professional Experience

Meridian Commercial Bank - New Delhi, India

Credit Analyst (Mid-Market) April 2018 to Present 8 years & 4 months

Own a portfolio of ~120 mid-market borrowers (~₹900 crore exposure), spreading financials, building cash-flow models and writing the credit memos that go to senior committee.
Kept the portfolio's NPA rate under 1.5% through a tightening cycle by flagging two stressed accounts six-plus months early, allowing restructuring before default.
Built a standardised covenant-monitoring tracker in Excel that cut the monthly review cycle from five days to two and surfaced breaches the old process missed.
Lead the annual review process for the top 20 exposures, presenting recommendations directly to credit committee and defending the rating rationale.
Partner with relationship managers on new deals, structuring limits and security to balance risk appetite against winning the business.
Mentor two junior analysts on statement spreading and sector benchmarking, reviewing their memos before they go up the chain.

Capital First Finance - New Delhi, India

Junior Credit Analyst August 2017 to March 2018 8 months

Spread financial statements and computed ratio packs for SME loan applications, handling 30-40 files a month.
Drafted first-cut credit notes and bureau-report summaries for senior analysts, building the memo-writing foundation.
Built early sector benchmark sheets (textiles, auto-ancillary) that the team reused across comparable deals.
Learned the discipline of tying every recommendation to evidence in the numbers, which earned the move to the mid-market desk.

Education