Pinkey Manish
Credit Analyst
Abu Dhabi
Summary of Career
1. A goal-driven and prudent finance professional with significant academic knowledge
2. Insightful Credit Analyst with 3.5 years of experience in financial services industry
3. Skilled in accounting, financial analysis, credit analysis and financial modeling
4. Analyzed financial statements for assessing creditworthiness of 50+ businesses per year
5. Prepared credit proposals with financial ratio analysis, cash flow analysis and risk analysis
6. Strong knowledge of compliance and legal issues involved in credit approval
7. Strong analytical skills, support operations through analysis of key performance indicators and trends
8. Develop detailed spreadsheets to identify trends and develop forecasts
9. Consensus-driven communicator; liaise across various business units and promote organizational success
10. Able to build financial models like 3-statement model, DCF Valuation and comparable company analysis
Experience as Senior Officer-Treasury
Pakistan State Oil, Karachi
27 June 2016
31 January 2018
• Obtained insurance cover for PKR 80 billion (approx.) worth of assets owned by the company
• Negotiated the best possible insurance premium rates by regular market survey, thus saving millions annually with respect to reduced insurance premiums
• Managed opening and closing of bank accounts, updating and maintaining bank account details
• Analyzed banking fees and periodically reevaluate bank services and adjust as necessary
• Maintained productive relationship with insurance companies, insurance brokers and external commercial banks
• Provided support to local finance teams for inquiries related to payments and bank account issues
• Prepared annual budget by estimating future financial needs and analyzed compliance/variances
• Developed financial presentations for executives and senior management
• Posted SAP FI/MM entries on monthly basis
Experience as Credit Analyst
MCB Bank Limited
11 November 2013
31 December 2015
• Maintained credit portfolio of corporate clients availing Running Finance, Cash Finance, Demand Finance and Bank Guarantee facilities
• Prepared credit proposals with financial ratio analysis, cash flow analysis and risk analysis for review and recommendation by Team Leaders
• Analyzed financial information, such as audited financial statements, management accounts and projected financial statements to assess financial strength of clients
• Incorporated Credit facilities/limits in system as per approval to enable transactions of disbursements to corporate customers
• Conducted pre and post-sanction review of disbursed loans. This includes keeping track of borrower’s compliance with credit terms, identifying early signs of delinquency, conducting periodic valuation of collateral and monitoring timely repayments of loans
• Issued delivery orders against FIM (Finance against imported merchandise) and pledge facilities
• Monitored loans on frequent basis for maintaining credit limits and security shortfalls
• Ensured adherence to credit control policies and procedures particularly for documentation of corporate loan agreements
• Ensured accurate and timely balancing and reporting to regional, head office and Central Bank
• Other responsibilities include liaising with various internal departments such as credit, legal, operations and CAD for smooth and quick execution of transactions
Bachelor 23 May 2012
Bachelors in Business Administration (Finance)Master 15 January 2014
Masters in Business Administration (Finance)
Accounts, Finance & VAT Professional | Navafiz Career Advisor | Public Speaker
Abu Dhabi