Radhika Kolwankar
Dubai
Summary
CFA Level 2 cleared Financial Analyst with three+ years of experience in variety of finance roles. Enthusiastic in securing a finance position that offers professional growth and advancement within diversified areas of finance.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Analyst
CME CAPITAL MANAGEMENT
08.2024 - Current
- As a credit underwriter focusing on international trade transactions, I am accountable for evaluating credit applications and performing financial and qualitative analysis
- Possess the expertise to appraise credit and political risk exposures for companies, governments, and countries
- Proficient in conducting comprehensive risk assessments and analysis within trade finance documentation encompassing diverse transactions such as receivables and payables financing, import/export financing, invoice discounting/factoring, commodity trade financing, inventory financing, ensuring thorough identification and mitigation of both credit and operational risks
- Possess a proven ability to scrutinize financial statements to determine client viability and risk
- Building and updating financial models as case-by-case requirements
- Conducted an in-depth investigation into trade credit and political risks, and recommended a comprehensive framework and corresponding actions to enhance company resilience
- In-depth analysis of underlying contract (buyer/obligor risk) and Credit facility agreements by reviewing term sheet(borrower risk) to ascertain risk associated basis payment terms etc
Intern
The Lending Tree- Mortgage Consultancy
05.2024 - 07.2024
- Case Management: Accurately recorded, organized, and maintained all case-related documents following company policies.
Handled a large volume of mortgage forms, including applications, disclosures, and closing documents, ensuring they were processed correctly and on time.
Prepared and shared reports, summaries, and updates on cases with senior management. - Accounts Management: Managed daily financial tasks such as handling accounts payable, accounts receivable, and general ledger entries, ensuring all transactions were recorded accurately and on time. Kept the accounting software and systems up-to-date to ensure smooth and accurate financial processing.
Strategy Planning Executive
Plan My Venture
11.2023 - 02.2024
- Facilitated cross-functional collaboration and strategic reporting, generating significant cost savings
- Conducted research and gathered data to help organizations understand their customers or clients better
- Developed and implemented plans for new products, services, technology, or marketing campaigns
- Developed long-term growth strategies for companies and organizations, including identifying potential opportunities and risks involved in each strategy
- Assisted in financial forecasting.
Credit rating Analyst-Corporate sector
Acuite ratings and research
10.2021 - 06.2023
- Analyzed company's financial performance which include past financial and business performance and benchmark these against peers performance
- Building cash flow models, calculating various ratios like profitability ratios, efficiency ratios, Solvency ratios and leverage ratios for trend analysis and trace covenant compliance.
- Undertook rigorous credit risk analysis encompassing industry/business research and financial analysis of various corporates
- Discussed with the key management personnel of the corporates being rated to understand their strategy and business model.
- Assigned the ‘Probability of Default’ and ‘Loss Given Default' ratings and prepared reports that captures the rationale behind the rating recommendations
- Made presentations to the Rating Committee and responded to the questions/provided clarification in support of the rating recommendation
- Maintained a high quality of analytics and rating committee presentations.
- Strong focus on Credit Appraisal (Annual review) and financial analysis with adherence to TAT and SOP.
Credit Analyst (Intern)
Acuite Ratings and Research
10.2020 - 01.2021
- Building cash flow models, calculating various ratios to trace covenant compliance, calculating FCF & FCF after discretionary and cash conversion.
- Assisted in Building and updating financial models & Monitoring quarterly performance of the companies in the portfolio
- Performing comparable company analysis & Benchmarking analysis on various companies as per client requirements
- Performing secondary research to assist client on various projects
- Regular screening of companies' credibility subject to changes in political, economic, social factors of respective countries & Changes in capital structure of the companies
- Performed analysis of various industries and competition as per client requirements
Education
Bachelor in Management studies (BMS) -Finance Majors -
Lala Lajpatrai College, Mumbai University
2021
Higher Secondary College -Science -
Jai Hind College, Maharashtra State Board
Skills
- Skilled in Microsoft office suit- Excel, Word, Power Point
- Fundamental and Technical analysis
- Well acquainted with finance concepts
- Valuations- Equity, Derivatives, Alternative Investments, Fixed Income
- Financial Models
- Risk management
- Trade Credit Solutions
- Credit analysis
- Industry Research
Certification
- Global Financial Markets Professionals (GFMP), 2020, BSE Institute
- CFA level 1 cleared with 90 percentile , 08/2022
- CFA level 2 cleared with 90 percentile , 11/2023
- CFA level 3 candidate
- Undergoing Financial Modelling Course
- CDCS (Certified Documentary Credit specialist) Undergoing online Udemy course
language
- English - Professional proficiency
- Hindi - Professional proficiency
- Marathi - Professional proficiency
Timeline
Credit Analyst
CME CAPITAL MANAGEMENT
08.2024 - Current
Intern
The Lending Tree- Mortgage Consultancy
05.2024 - 07.2024
Strategy Planning Executive
Plan My Venture
11.2023 - 02.2024
Credit rating Analyst-Corporate sector
Acuite ratings and research
10.2021 - 06.2023
Credit Analyst (Intern)
Acuite Ratings and Research
10.2020 - 01.2021
Higher Secondary College -Science -
Jai Hind College, Maharashtra State Board
Bachelor in Management studies (BMS) -Finance Majors -
Lala Lajpatrai College, Mumbai University
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