Amandeep Kaur

Experience

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  Nielsen

  Jan 2015 - Feb 2015

  Intern

  Research on Delhi Elections

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  Airtel

  May 2015 - Jul 2015

  Summer Intern

  Revenue recognition- International Roaming

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  Sammaan Capital Limited

  Jun 2016 - Sept 2018

  Branch Credit Manager

  Performed underwriting , financial analysis and the calculation of key financial ratios for all indviduals, firms and companies.Recommendation of client requests upto 5 cr by conducting due diligence on the legal , technical and financial background and evaluating credit risk. Created financial and cash flow forecasting models to determine debt repayment and deal profitability.Key member of loan underwriting team with portfolio of Rs 600 cr.Decision loan requests of clients upto Rs 50 lacs and provide training to 2 new joinees & 2 interns about complete process on systems & policies. Show less

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  HDFC Credila Financial Services Limited

  Oct 2018 - May 2022

  Deputy Manager

  Assessing credit worthiness based on investigated findings and detailed credit required document review as per policy.Spreading and Analysis of financial documents of all Indian and overseas individuals, firms and companies and performing credit risk assessment.Evaluating the financial strength by analyzing credit metrics like total leverage, interest coverage, profit margins and ratios analysis along with checking the credit history reports (CIBIL, Equifax, etc) on monthly and annual basis.Understanding collateral in secured portfolios & calculating loan to value ratio and legal document vetting.Preparing final reports for decision based on financial analysis and credit risk assessmentManaging highest portfolio of maximum customers in a year in team.Assisting in risk analysis with Collections Department for delinquent customers and reanalyze the customer portfolio with all channels including client, vendor and operations to mitigate the risk. Show less

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  IDFC FIRST Bank

  Jun 2022 - now

  Manager