Nikila B

Credit risk analyst with over 1.5+ years of proficiency in analyzing financial and credit information for commercial businesses by interpreting complex financial data. Demonstrated expertise in credit underwriting, financial statement analysis, and portfolio management with strong self-learning abilities, and a record of exceeding expectations. Aspires to leverage learned expertise in financial analysis and quantitative skills to contribute effectively to risk assessment processes and augment team success.

Manage commercial loan portfolio and perform credit risk assessment by evaluating financial performance of borrowers, guarantors, and commercial real estate asset classes, considering past and present data, management projections, and market trends, resulting in accurate risk assessment. Produce comprehensive credit reports synthesizing findings from financial statement analysis and market research, averaging a quality score of ~95%. 
I Engage closely with Relationship Managers, Portfolio Executives, and Credit Approvers throughout the process. I utilized my on-the-job learnings to support the Pre-underwriting Team, reducing errors in pre-underwriting due diligence processes.

MBA(Finance) from CHRIST( Deemed to be University) 2022- 73.59%