Joshobath J S

About Joshobath J S

I am a Credit Analyst with 2.5+ years of experience in SME and MSME lending across banking and NBFC environments.I specialize in end-to-end credit appraisal, including financial statement analysis, GST validation, bank statement analysis (Perfios), and bureau assessment (CIBIL/CRIF). I have hands-on experience evaluating loan proposals up to ₹50L and preparing Credit Assessment Memos (CAM) with detailed risk insights.My experience includes analysing borrower creditworthiness, assessing repayment capacity using DSCR, analyzing the profitability, leverage, liquidity ratios and understanding working capital cycles across businesses.I also work on portfolio monitoring, MIS reporting, and delivering data-driven insights to senior leadership through dashboards and presentations.I am proficient in Advanced Excel (Pivot Tables, Lookups, Dashboards) and banking systems including LOS/LMS, Finacle, and TCS BaNCS.I am currently open to opportunities in Credit Analysis, Risk Analysis, and Financial Analysis roles.

Experience

1. Assistant Credit Manager

   Tricolour Values Group

   Jan 2025 — Present

   Evaluating MSME loan proposals 5L–50L across term loans and supply chain finance (distributors & retailers) within a quick TAT• Performing end-to-end credit appraisal including financials, GST validation, bureau checks, and banking analysis• Conducting ledger analysis to assess retailer transaction behaviour, purchase trends and repayment discipline• Assessing eligibility based on policy parameters and deriving exposure limits for supply chain finance• Calculating key metrics such as Payment Credit Discipline (PCD) and purchase-to-payment ratios• Preparing Credit Assessment Memos (CAM) with risk insights, deviations, and approval recommendations• Monitoring portfolio performance (AUM) including disbursements, repayments, and asset quality (NPA classification)• Developing MIS dashboards and portfolio reports using Excel (Pivot Tables, Lookups, Charts)• Delivering weekly, fortnightly, and monthly insights to senior leadership and chairman• Managing bureau reporting (CIBIL, CRIF, Experian, Equifax) for consumer and commercial portfolios• Supporting legal/recovery teams in cheque bounce (Sec 138) and arbitration cases• Analysing data extracted from SQL-based systems and presenting insights through Excel and PowerPoint

Education

• GOVERNMENT ARTS COLLEGE

  Master of Computer Applications (MCA), Computer Applications

• GOVERNMENT ARTS COLLEGE

  Bachelor of Science (B.Sc.), Computer Science