NKNeha Kutwal
@nehakutwal
Detail-oriented credit analyst specializing in commercial finance risk assessment.
AustraliaWhat I'm looking for
I am a detail-oriented credit analyst with hands-on experience evaluating commercial finance, leasing, and mortgage applications across multiple industries. I have a strong record of interpreting financial statements, credit reports, and quantitative models to inform sound lending decisions.
In recent roles I evaluated 200+ novated lease applications and contributed to a 20% rise in approval rates while securing over $1M in financing. I also converted 10+ mortgage deals worth over $1M into unconditional loan offers and reduced data discrepancies by 80% through ERP reconciliations.
I collaborate effectively with sales, marketing, brokers and operations to resolve complex queries, streamline processes, implement evaluation tools, and train teams. I bring strong stakeholder management, process-improvement instincts, and proficiency with credit assessment workflows and analytics tools.
Experience
Work history, roles, and key accomplishments
Credit Analyst
ORIX Australia Corporation Ltd
Apr 2024 - Nov 2024 (7 months)
Evaluated 200+ novated lease applications and led credit risk assessments that drove a 20% rise in approval rates and secured over $1M in financing by improving underwriting accuracy and leveraging automation tools.
Junior Credit Analyst
Bridgit Pty Ltd
Oct 2023 - Dec 2023 (2 months)
Analysed mortgage applications and converted 10+ deals worth over $1M into unconditional offers while reducing turnaround time through process improvements and strict SLA management.
Finance and Operations Intern
Xpansiv Ltd
Mar 2023 - Sep 2023 (6 months)
Reconciled trading platform and NetSuite data reducing discrepancies by 80%, executed 50+ trades in carbon and renewable markets, onboarded 40+ customers, and improved trade execution time by 20%.
Administrative Assistant
A.B. Lubes
Dec 2019 - Feb 2020 (2 months)
Managed invoicing and supplier relationships, ensuring on-time deliveries and reducing client complaints through improved communication and accurate documentation.
Education
Degrees, certifications, and relevant coursework
UWUniversity of New South Wales
Bachelor of Economics, Economics
2023 -
Activities and societies: Vice President and Media Director of UNSW Indian Society; managed budgets, events, and social media campaigns.
Pursued a Bachelor of Economics with coursework in Econometrics, Statistics, and Marketing Analytics, achieving a distinction in Marketing Analytics.
Availability
Location
AustraliaAuthorized to work in
Job categories
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