Open to opportunities

Mohit Rawat

@mohitrawat2

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Credit Manager specializing in underwriting, credit appraisal, and early risk identification.

India

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What I'm looking for

I’m looking for a credit risk role where I can underwrite and appraise corporate proposals, monitor early warning signals, and improve portfolio quality through rigorous financial analysis and compliance-driven decisioning.

I’m a Credit Manager focused on underwriting and evaluating client creditworthiness through detailed financial, industry, and business risk analysis. In my current role at TATACAPITAL Limited, I assess repayment capacity and leverage position using financial statements (Balance Sheet, P&L, Cash Flow) and support approvals through CreditAppraisal Memorandums (CAMs) presented to Credit Committees.

Previously, at Kotak Mahindra Bank Limited, I led Working Capital credit work—researching and analyzing client financials against bank credit policies, checking CIBIL & NCIF reports, and ensuring all lending procedures complied with regulations. I also monitored accounts for delinquency and took timely action, strengthening portfolio control and risk discipline.

Earlier in my career at ICICI Bank Limited, I handled credit evaluation for the Business Loan Group, including assessment of terms and conditions, credit history checks via CIBIL & CPCS reports, and ongoing account monitoring. Alongside banking, I also brought audit and taxation expertise from roles including Senior Associate (Taxation) and Audit & Tax Assistant—preparing corporate returns, handling reconciliations, and supporting statutory audit and compliance deliverables.

Experience

Work history, roles, and key accomplishments

Current

Area Credit Manager

Current

Tata Capital Limited

Mar 2025 - Present (1 year 4 months)

Evaluates client creditworthiness and conducts financial, industry, and business risk analysis for emerging corporate clients. Underwrites credit proposals, prepares CreditAppraisal Memorandums (CAMs), presents recommendations to credit committees, and monitors the portfolio for Early Warning Signals (EWS).

Credit Worthiness Financial Statement Analysis Credit Risk Analysis Credit Underwriting Credit Committee Portfolio Monitoring Repayment Capacity Analysis

Senior Credit Manager (Working Capital)

Kotak Mahindra Bank Limited

Feb 2023 - Mar 2025 (2 years 1 month)

Evaluates client creditworthiness for working capital lending by analyzing financials against the bank’s credit policies and ensuring loan processing terms are met. Monitors credit history and accounts, checks delinquency, and ensures lending procedures comply with regulations.

Credit Worthiness Financial Analysis Credit Policy KRAM Rating CIBIL NCIF Report Review Loan Processing Regulatory Compliance

Credit Manager (Business Loan Group)

ICICI Bank Limited

Aug 2021 - Feb 2023 (1 year 6 months)

Researched and evaluated clients’ creditworthiness for business loans and assessed whether financials meet bank credit policies. Ensured loan-processing terms were fulfilled, reviewed credit history reports, monitored client accounts, and supported regulatory compliance including delinquency actioning.

Credit Worthiness Financial Statement Analysis Credit Policy CIBIL Loan Processing

Self-Employed

Self Employed

Sep 2020 - Jul 2021 (10 months)

Worked as Self-Employed from Sept 2020 to Jul 2021.

Senior Associate (Taxation)

PricewaterhouseCoopers Service Delivery Centre (Kolkata) Pvt

Dec 2019 - Aug 2020 (8 months)

Prepared corporate tax returns for Canadian companies and participated in training modules. Analyzed and reconciled financial statements, G/L accounts, and internal calculations to support accurate tax provision and compliance reporting.

Tax Support Compliance Reporting Taxation Accuracy Checks

Audit and Tax Assistant

Vimal & Seksaria, Chartered Accountants

Nov 2018 - Nov 2019 (1 year)

Handled statutory audit engagements and supported internal audit activities. Assisted with audit planning, internal controls assessment, statutory compliance work, and preparation/filing of tax returns and related filings.

Audit Planning Internal Controls CARO Disclosures Advances and Liabilities Audit Internal Audit Debtor And Creditor Analysis TDS GST Standalone and consolidated financial statements

Article Trainee

Vimal & Seksaria, Chartered Accountants

Aug 2015 - Aug 2018 (3 years)

Trained through audit and tax assignments for corporate and individual engagements. Assisted with statutory audits, internal controls evaluation, income tax compliance work, due diligence, and preparation of returns and GST/TDS filings.