Summary
Overview
Work History
Education
Skills
Certification
Languages
Social Responsibility
References
Timeline
Generic

Shreelekha Bhat

Melbourne,VIC

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills with a detail oriented mind and thorough with excellent judgement and good verbal and written communication skills

Overview

11
11
years of professional experience
1
1
Certification

Work History

Credit Risk Analyst

SG Fleet group
12.2021 - Current
  • Performing complex financial analysis and reports for the existing and new counterparties
  • Supporting in preparation of complex credit reports, credit memos and credit worthiness reviews
  • Preparing complex credit reporting, planning and forecasting for management, including reviews for areas of emphasis and follow up
  • Work closely with account managers and the sales team to approve day to day drawdowns and credit declines to ensure smooth delivery of solutions
  • Managing new customer onboarding, customer requirements and suggesting different products to provide best solutions to customers
  • Running and analysing credit bureau checks in line with credit policy to assist the approval team with decision making
  • Assess credit risk reviews of corporate/government clients by analysing and reviewing reports from external sources to verify due diligence adequacy of new clients
  • Experience working with credit rating agencies like Illion, Dun and Bradsheet, Equifax, Moody's and S&P
  • Migrating complex data from existing Leaseplan credit application(GCRMS) into Moody's Credit Lens for smooth implementation.

Analyst (Financial planning and Analysis)

Athena Education Investment LLC
11.2015 - 09.2019
  • Prepared and presented budgets and forecasts to the top management with detailed business analysis, expense tracking complete with P&L, Balance sheet and Cashflow statement outlining problems, opportunities and solutions for business
  • Analyzed current and past trends in key performance indicators such as revenue, expenses, profitability, and others
  • Provided timely financial information and reports to provide accurate recommendations to management and board for timely decision making
  • Prepared and presented reports by collecting, analyzing and summarizing information and trends for business growth
  • Ensured timely execution of projects and programs to deliver real-time solutions
  • Implemented advanced strategies for gathering, reviewing and analyzing data requirements & provided new ideas for constant improvement of the departments
  • Extensive use and experience in MS Office tools to create complex structures and models for budgeting, forecasting, payroll, cash flow and pricing analysis.

Associate Consultant - Risk Advisory Services

Ernst & Young LLC
10.2014 - 10.2015
  • Performed full audit cycle including risk management and control management over operations' effectiveness, financial reliability and compliance with all applicable directives and regulations
  • Identified the risk affecting the client company's operations and recommending the effective internal controls
  • Critically analyzed financial statements and business systems and procedures in place with the client companies.

Service Relationship Manager

ING Vysya Bank
05.2013 - 10.2014
  • Served a designated portfolio of accounts in the Commercial Banking business segment
  • Provide end to end service to Business Banking Clients
  • Prepare credit proposals in accordance with delegated authority for renewals and enhancements
  • Conduct Due diligence, regular review and take proactive measures to ensure credit quality for management decisions.

Education

Certification in Corporate Financial Decision making for value creation -

University of Melbourne
Melbourne, VIC
12.2020

MBA - Finance

Alliance University
India
01.2013

Bachelor of Commerce (B.Com.), Business/Commerce -

Sri Bhagawan Mahaveer Jain College
India
01.2010

Skills

  • Financial Modeling
  • Credit Analysis and risk
  • Credit Decisions and reporting
  • Proficient in CreditLens, SAP, Equifax and Illion
  • Verbal and Written Communication
  • Customer Relations
  • Financial Statements Expertise
  • Risk Assessment

Certification


  • Financial modelling and valuation
  • MOS Expert - Microsoft Office

Languages

English
Full Professional
Hindi
Full Professional
Kannada
Native or Bilingual

Social Responsibility

  • Volunteered in 'Swami Ramana Maharshi School for Blind' where I had to spend 25 days with the students and transcribed written exams for the blind
  • Donated projectors and actively volunteered for government school development projects in Kerala - India
  • Volunteer of CUPA, an animal rescue and shelter home in Bangalore- India

References

References available upon request.

Timeline

Credit Risk Analyst

SG Fleet group
12.2021 - Current

Analyst (Financial planning and Analysis)

Athena Education Investment LLC
11.2015 - 09.2019

Associate Consultant - Risk Advisory Services

Ernst & Young LLC
10.2014 - 10.2015

Service Relationship Manager

ING Vysya Bank
05.2013 - 10.2014

Certification in Corporate Financial Decision making for value creation -

University of Melbourne

MBA - Finance

Alliance University

Bachelor of Commerce (B.Com.), Business/Commerce -

Sri Bhagawan Mahaveer Jain College

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Shreelekha Bhat