Khushali Bhatt
Credit Manager
- Role
- Credit Analyst at Australian Lending Agency
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Khushali Bhatt
Working as Senior Assessment Officer with ANZ. Having 11+yrs experience in Retail credit and Commercial credit.
Experience
Credit Analyst
Jan 2025 — Present · Bengaluru, IN
Evaluate financial statements, credit reports, and other relevant documents to assess the creditworthiness of applicants.Analyze financial data, including income, expenses, assets, liabilities, and cash flow, to determine the ability to repay loans.Identify potential risks associated with lending, such as default or late payments.Use risk assessment models and tools to quantify the level of risk and make informed decisions.Provide recommendations to management or loan officers regarding loan approvals, credit limits, or terms based on the assessment.Suggest appropriate credit structures, interest rates, or collateral requirements to mitigate risks.Ensure all credit assessments are well-documented and comply with regulatory requirements and internal policies.Stay updated on relevant laws, regulations, and industry standards related to credit assessment and lending.Monitor existing credit facilities to ensure borrowers adhere to the agreed terms and conditions.Conduct periodic reviews of credit files and update assessments as necessary.Work closely with loan officers, relationship managers, and other stakeholders to gather information and make informed decisions.Communicate findings and recommendations clearly and effectively
Education
Mumbai University Mumbai
Post graduate
2011 — 2013
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