AMIT BHUWANIA

Mobile: +91 -8885820688, E-Mail: amitbhuwania2008@gmail.com

Profile Summary
o Experienced financial analyst with over eight years of experience in Credit Analysis, Risk
Assessment /Analysis, Team Management and Customer Relationship Management
o Sound knowledge of corporate/SME financing and thorough understanding of the entire product
range covering fund and non-fund-based credit facilities
o An effective communicator with excellent analytical skills; exceptionally well organized and detail-
oriented with ability to meet deadlines and perform autonomously and collaboratively in high pressured
environment
o Currently employed as a team lead for the Mid Corporate Group at India Ratings & Research Pvt Ltd
(A Fitch Group Co)
Experience
Senior Analyst I India Ratings & Research Pvt Ltd (A FITCH Grp Co) June 2013 – Till Date
Job Responsibilities
o Analyse financial statements (Balance Sheet, Profit & Loss Account and Cash Flow statements) and
assess the credit worthiness of corporates
o Construct financial models projecting earnings, cash flows, and balance sheets scenario analysis
based on overall understanding of the industry and the business after discussion with the
management and present it to the rating committee with rating recommendation
o Track and monitor portfolio companies and take timely credit calls on events such as divestment,
capital expenditure etc. announcements by issuer
o Interaction with top management of issuers, continuous tracking of ongoing developments and
industry and market trends and Conducting periodic reviews of rated issuers and ensuring timely rating
actions as required by issuer/industry developments
o Interacting with bankers and auditors of the companies to understand the conduct of the companies
o Committee Member for Corporate Ratings committees. (Bank Loan Ratings)
o Identify and hire talented professionals for new opportunities within the team. Current team size is of
10 members (5 in Hyderabad and 5 in Chennai)
o Mentor, coach and evaluate individual team members to enhance their efficiency Responsible for
regulatory and internal compliance of all ratings done by the team

Credit Analyst I State Bank of Hyderabad, Commercial Branch May 2010 – May 2013
Job Responsibilities

o Appraised business proposals and prepared credit appraisal notes of the company giving details of
assessed bank finance adhering to turn around time
o Analysed risk profile of the client, market, transaction, operational, environmental & industry level
and finding the mitigation
o Maintained lending portfolio through the identification of high-risk situations as well as taking
requisite quality & corrective measures for delinquency control
o Conducted pre-sanction inspection of the industry/firm/factory and collateral property and present
before the Sanctioning Committee with recommendation for decision making
o Conducted post sanction follow up of advance - Submitting Reports to higher authorities viz Control
Reports, irregularity Reports, Credit Risk - Validation Reports
o Coordinated with other Banks in respect to the advances under Multiple Banking / Consortium
arrangement

Academics
Year Degree/Exam Institution Board / University
2013 JAIIB Indian Institute of Banking and Finance
Asian School of Business Management-
2010 PGDM (Finance)
Bhubaneswar
T M Bhagalpur
2005 B.Com. Accounts (H) T M Bhagalpur University
University
2002 Senior Secondary (Commerce) BIEC C.B.S.E