Shreelekha Bhat
SG Fleet group
Melbourne,VIC
11
years of professional experience
1
Certification
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
Work History
Credit Risk Analyst
4 Years 10 Months- 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)
3 Years 10 Months- 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
1 Year- 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
1 Year 5 Months- 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
MBA - Finance
Bachelor of Commerce (B.Com.), Business/Commerce
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 - CurrentRead More
Analyst (Financial planning and Analysis)
Athena Education Investment LLC
11.2015 - 09.2019Read More
Associate Consultant - Risk Advisory Services
Ernst & Young LLC
10.2014 - 10.2015Read More
Service Relationship Manager
ING Vysya Bank
05.2013 - 10.2014Read More
University of Melbourne
Certification in Corporate Financial Decision making for value creation
Read More
Alliance University
MBA from Finance
Read More
Sri Bhagawan Mahaveer Jain College
Bachelor of Commerce (B.Com.), Business/Commerce
Read More