Varsha Bheema Raveendrudu # Senior Credit Analyst Location United StatesDesired Salary UnspecifiedWork preference Full TimeLinks Status Actively looking Field / Industry Finance & Accounting * SharePreferences:Relocation: NoNotice Period: ImmediateSkill Assessments:This user has not passed any tests yet Languages: English - Report [Overview](#overview) * [Portfolio](#portfolio) ## About Me Finance Professional with extensive experience in commercial banking, adept in financial analysis and risk assessments for complex business credit transactions. Experienced in managing extensive loan portfolios, enhancing loan values, and preparing reports to mitigate risks and ensure compliance. Seeking to leverage expertise as a Senior Credit Analyst. ## Skills ### [Python](https://jobicy.com/talent/python.md)[SQL](https://jobicy.com/talent/sql.md)[Analytical Skills](https://jobicy.com/talent/analytical-skills.md)[Risk Management](https://jobicy.com/talent/risk-management.md)[Microsoft Excel](https://jobicy.com/talent/microsoft-excel.md)[Budgeting](https://jobicy.com/talent/budgeting.md)[SAP](https://jobicy.com/talent/sap.md)[Finance](https://jobicy.com/talent/finance.md)[Microsoft PowerPoint](https://jobicy.com/talent/microsoft-powerpoint.md)[Banking](https://jobicy.com/talent/banking.md)[Financial Accounting](https://jobicy.com/talent/financial-accounting.md)[Analysis](https://jobicy.com/talent/analysis.md)[Financial Planning Analysis](https://jobicy.com/talent/financial-planning-analysis.md) ## Experience Financial Data Analyst @ Texas Department of State Health Services 09/03/2024 Performed risk assessment for non-profits and government entities, ensuring compliance and supporting program success. Visualized trends and financial ratios using Tableau. Recommended process improvements using R programming to optimize the risk assessment workflow, projecting a 1-month reduction in analysis time. Credit Analyst @ Bank of India 11/29/2017 - 11/04/2022 • Performed underwriting for Small and Medium Enterprises, utilizing Excel to evaluate key financial ratios and performance indicators, ensuring creditworthiness and compliance with financial regulations. • Managed over 80 business loans, increased loan portfolio by 15.92%, and provided appropriate working capital and term loans to various businesses while ensuring regulatory compliance in loan documentation. • Performed risk assessments and financial statement analysis to review loans worth $1.91 million and prepared detailed credit reports with covenants to mitigate risk and ensure zero defaults. • Inspected business units to assess inventory, term loans, and working capital requirements and guided customers, primarily small business owners, in their financial decision-making and provided insights. Management Trainee @ DXC Technology 07/01/2016 - 04/28/2017 • Executed invoice processing and reconciled accounts payable and accounts receivable using SAP/Yardi software, achieving 100% accuracy while averaging 70 daily processing tasks. • Recommended process improvements and effectively presented the project process flow to executives, resulting in a 15% decrease in invoice processing turnaround time. Project Engineer @ Wipro Technologies 09/12/2011 - 06/30/2014 • Timely resolved technical issues using C programming and enhanced Base Transceiver software in Telecom Industry. • Configured General Ledger and Funds Management modules in SAP from realization, testing to Go-Live stage. Student Assistant @ University of Texas at Dallas 05/26/2023 - 05/10/2024 Mentored finance students in Business Finance and Financial Management courses, including valuation methods and capital budgeting, and assisted individuals utilizing Bloomberg, Capital IQ, LSEG, and FactSet data resources. ## Education University of Texas at Dallas 21/12/2024 Master's in Finance PES University 06/30/2016 Masters of Business Administration RV College of Engineering 06/30/2011 Bachelors of Engineering Portfolio not available.