mohit rawat
@mohitrawat3
I assess and underwrite corporate credit risk, turning financial analysis into clear lending recommendations.
IndiaWhat I'm looking for
At Tata Capital, I conduct end-to-end credit risk assessments for emerging corporate clients, underwriting proposals across garments, iron and steel, healthcare, and education. I prepare Credit Appraisal Memorandums for Credit Committees and monitor portfolios for early warning signals.
Previously, I evaluated working-capital and business-loan clients at Kotak Mahindra Bank and ICICI Bank. As a Chartered Accountant, I also bring Big 4 taxation, audit, regulatory compliance, due diligence, and financial-statement analysis experience.
Experience
Work history, roles, and key accomplishments
Conduct end-to-end credit risk assessments of prospective and existing clients through detailed financial, industry, and business risk analysis. Underwrite credit proposals across diverse sectors and prepare Credit Appraisal Memorandums for committee approval.
Senior Credit Manager (Working Capital)
Feb 2023 - Mar 2025 (2 years 1 month)
Evaluated clients' creditworthiness and analyzed financials against bank credit policies and regulatory frameworks. Conducted KRAM risk ratings and reviewed CIBIL and NCIF reports to support lending decisions.
Credit Manager (Business Loan Group)
ICICI Bank Limited
Aug 2021 - Feb 2023 (1 year 6 months)
Researched and evaluated clients' creditworthiness and assessed alignment with bank credit policies. Reviewed CIBIL and CPCS reports and monitored client accounts to ensure compliance with lending regulations.
Self-Employed
Self-Employed
Sep 2020 - Jul 2021 (10 months)
Self-employed professional in Kolkata.
Senior Associate (Taxation)
Dec 2019 - Aug 2020 (8 months)
Prepared corporate tax returns for Canadian companies and analyzed financial statements to ensure accurate tax provisioning and compliance reporting.
Audit and Tax Assistant / Article Trainee
Vimal & Seksaria, Chartered Accountants
Aug 2015 - Nov 2019 (4 years 3 months)
Executed statutory and internal audit engagements, prepared tax returns, and handled GST registrations and filings. Assisted in due diligence and financial statement finalization for diverse clients.
Education
Degrees, certifications, and relevant coursework
The Institute of Chartered Accountants of India
Chartered Accountant, Accounting
Qualified as a Chartered Accountant in May 2019.
University of Calcutta
Bachelor of Commerce (Hons.), Commerce
Completed Bachelor of Commerce (Hons.) in 2016.
Availability
Location
IndiaAuthorized to work in
Skills
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