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@cachiranbhandari
Experienced credit analyst with a strong background in finance.
I am a dedicated finance professional with extensive experience in credit analysis, internal auditing, and financial management. Currently, I serve as a Credit Analyst at Muktinath Bikash Bank Ltd., where I provide advisory support across various departments, ensuring compliance with credit policies and enhancing risk management practices. My role involves reviewing credit proposals, assessing financial statuses, and executing loan approvals, all while maintaining the bank's risk appetite framework.
Previously, I held managerial positions in internal audit and finance, where I developed policies, managed budgets, and prepared financial statements for board reviews. My experience spans across multiple sectors, including banking, audit, and trading, allowing me to cultivate a comprehensive understanding of financial operations. I am committed to leveraging my skills in financial analysis and risk assessment to contribute to organizational success.
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Work history, roles, and key accomplishments
Muktinath Bikash Bank Ltd.
Jan 2023 - Present (2 years 10 months)
As a Credit Analyst, I provided advisory support across various departments, assisted in credit policy development, approved credit proposals, and ensured compliance with the Bank's Credit Policy standards. I also monitored branch performance and identified emerging risk trends.
BLC Holdings Pvt. Ltd.
Jan 2022 - Dec 2022 (11 months)
Managed internal audit operations, reviewed budgets, prepared financial statements, and ensured compliance with financial institutions. I also formulated policies and provided guidance to junior staff.
ABS & Associates
Jul 2021 - Jan 2022 (6 months)
Led audit functions, managed engagement teams, and ensured compliance with regulatory requirements. I provided accounting outsourcing services and conducted feasibility analyses.
Khilung Kalika Suppliers and General Trading Pvt. Ltd.
Jan 2020 - Mar 2021 (1 year 2 months)
Oversaw financial operations, prepared budgets, and managed statutory returns. I also conducted financial forecasting and maintained books of accounts.
Cohnreznik LLP
Nov 2018 - Feb 2019 (3 months)
Ensured compliance with US GAAP for affordable housing schemes, prepared financial statements, and conducted budgeting and variance analysis.
SNB Associates
Feb 2015 - Mar 2018 (3 years 1 month)
Conducted statutory and internal audits, drafted financial statements, and ensured compliance with accounting standards. I also engaged in physical stock verification.
Degrees, certifications, and relevant coursework
Master of Business Administration, Business Administration
2022 -
Pursuing a Master's degree focusing on Financial Management, Financial Markets, and Human Resource Administration.
Chartered Accountant, Chartered Accountancy
2013 - 2021
Completed Chartered Accountancy with a focus on Accounting, Finance, Audit, Budgeting, and Taxation.
Advanced Management & Communication Skill Course, Management Skills
2020 - 2020
Completed an Advanced Management & Communication Skill Course, focusing on Communication Skills, Planning & Organizing, and Leadership Skills.
Advanced Integrated Course, Information Technology
2020 - 2020
Completed an Advanced Integrated Course of Information Technology & Soft Skills, focusing on Advanced Excel, auditing in ERP Environment, and Database Application Using MS-Access.
Bachelor of Business Administration, Business Administration
2009 - 2012
Studied various aspects of business administration including Accounting, Finance, Taxation, Marketing, and Human Resource Administration.
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