Khushboo Kargutkar
Banking Operations Associate @Accenture in India
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WORK HISTORY
Banking Operations Associate @Accenture in India
Mumbai, IN
Working on pre-credit risk assessments for real estate mortgage loans of Truist (US Bank) under Accenture.Projects include Loan Origination, Loan Setup, Spreading, etc.Primarily involved in the Spreading process, handling financials of borrowers and guarantors (prospective or existing clients).Clients include private businesses, public companies, US Government organizations, NFPs, and individual guarantors.Analyze various documents such as:CPA-prepared financials (Audited, Reviewed, Compiled)US Tax Returns (business and personal)Company-prepared financial statements10K/10Q filings for public companiesPersonally prepared financial statements for individualsSpread financial data into Moody’s Credit Lens as per the bank’s credit policies.Ensure statements align with prior year spreads for accuracy and consistency.Identify discrepancies during reconciliation and review key calculations like debt service and financial ratios.Outputs support relationship managers and underwriters in loan discussions and processing.
EDUCATION
Vidya Prasarak Mandals K G Joshi College of Arts & N G Bedekar College of Commerce Chendani Bunder Road Thane 400 601
Bachelor's of Management Studies
ABOUT KHUSHBOO KARGUTKAR
Banking Operations Associate | M. Com(Banking&Finance)
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