Arshit Jain
Chartered Accountant || Lending Skills -Chartered Banker || Financial Analysis || B.Com
- Role
- Senior Credit Analyst at NatWest Group
- Location
- Bengaluru, IN
- LinkedIn followers
- 500 followers
About Arshit Jain
Experienced Articled Assistant with a demonstrated history of working in the management consulting industry. Skilled in Tally ERP, Accounting, Financial Accounting, Data Representation, and Taxations. Strong administrative professional with a Bachelor\'s degree focused from University of Kota - India.
Experience
Senior Credit Analyst
Feb 2024 — Present · Bengaluru, IN
Independently managed and assisted Relationship Managers in the analysis of working capital facilities for various customers by evaluating credit worthiness, liquidity and profitability analysis, business profile, balance sheet analysis, ratio analysis, and sector research.Involved with clients from various industries to comprehend their business and financial structure and then recommended the Relationship Manager to renew credit facilities accordingly.Prepared high-quality credit reports and monitored credit usage of corporate customers, examined their financial records and management accounts to suggest an increase or decrease in the facilities.Analyzed various industry and macro-economic factors to judge their impacts on customers\' balance sheets in order to ensure stability in loan repayments.Identified risk triggers, such as a decline in net worth, a major drop in revenue, or a downgrade in the probability of default, and accordingly suggested that the customer\'s profile be downgraded to Heightened Monitoring.Prepared Heightened Monitoring credit reports on borrowers whose deteriorating net worth affected their Probability of Default (PD) and Loss Given Default (LGD). Monitored excesses for customers on a daily basis and took appropriate actions based on customer profiles and instructions provided by Relationship Managers.In coordination with several operational teams within the bank, ensured that facility documentation was prepared and executed in accordance with the bank\'s regulations.Conducted client due diligence in accordance with bank policy to identify any unexpected transactions or occurrences requiring compliance attention.
Education
The Chartered Banker Institute
Diploma in Lending Skills , Credit
University of Kota - India
Bachelor's degree, Auditing
2017 — 2021
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