Hetain Khanna
Credit Analyst @Ambient Consultancy Llp
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WORK HISTORY
Credit Analyst @Ambient Consultancy Llp
Mumbai, IN
Assessed and analyzed Australian residential mortgage applications in compliance with APRA, NCCP, and lender credit policies• Conducted detailed serviceability calculations including income verification, expense assessment (HEM), liabilities, and buffers• Reviewed borrower documents such as payslips, tax returns, bank statements, credit reports, and employment contracts• Evaluated credit history using Equifax reports and identified credit risks and mitigants• Analyzed property valuations, LVR, security details, and mortgage insurance requirements.• Prepared credit assessment notes and recommendations for approval.• Worked closely with brokers, underwriters, and settlement teams to resolve conditions and ensure timely loan processing.• Maintained high accuracy while meeting SLA and turnaround time (TAT) requirements.• Gained hands-on exposure to end-to-end mortgage processing for Australian home loans.
EDUCATION
University of Mumbai
Bachelor of Commerce - BCom, Investment Management
K.P.B Hinduja College of Commerce
HSC
St. Anthony's High School - India
SSC
ABOUT HETAIN KHANNA
I am a Credit Analyst with a background in Investment Management and hands on exposure to financial analysis, valuation, and credit evaluation.I graduated from University of Mumbai and previously worked as a Financial Analyst Intern at Octagon Ventures, where I supported a UK-based client on the financial analysis of a France based company listed on Euronext Paris. This experience gave me early exposure to cross border markets, structured analysis, and real client deliverables.Through my internship, academic work, and certifications, I have developed practical skills in financial modeling, DCF valuation, comparable company analysis, market analysis, and capital markets. I am currently working on loan processing and credit assessment, with exposure to the Australian market, and am focused on building strong fundamentals in credit risk and financial decision making.I am FMVA and FPWM certified and hold NISM Research Analyst and Equity Derivatives certifications. I am eager to continuous learning, gain hands on experience, and I am focused on growing steadily within the financial services industry.
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