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Rachit bharti

@rachitbharti

Message

I analyze commercial and private credit, underwriting complex lending and investment decisions.

Canada

Message

I'm a Commercial Credit Analyst at BMO, leading credit reviews for borrowers with typical exposure of $5MM–$10MM across commercial real estate, hedge funds, and diversified industries.

I evaluate new-money transactions through borrower financials, collateral, loan structures, and covenant protection, translating DSCR, leverage, liquidity, and LTV analysis into clear credit recommendations.

Previously, I completed private-credit reviews for U.S. utilities at Equitable Life, supported over $50 million CAD in acquisitions at GFL Environmental, and prepared financial and tax work for clients at BDO Canada.

Experience

Work history, roles, and key accomplishments

Current

Commercial Credit Analyst

Current

Bank of Montreal

Sep 2025 - Present (1 year)

Led annual and periodic credit reviews on commercial borrowers with typical exposure of $5MM-$10MM per file, assessing financial performance and cash flow sustainability. Executed credit analysis for new-money transactions and prepared data-driven credit recommendations.

Credit Analysis Financial Statement Analysis DSCR Leverage Liquidity LTV Portfolio Monitoring Stakeholder Management

Private Credit Analyst

Equitable Life of Canada

Sep 2024 - Dec 2024 (3 months)

Authored 10+ annual credit reviews for U.S.-based operating utilities, leveraging S&P Capital IQ for financial data and peer comparisons. Conducted financial statement analysis, credit ratio benchmarking, and covenant compliance testing.

Credit Analysis Financial Statement Analysis Capital IQ Debt Covenant Compliance Sensitivity Analysis Modeling

Corporate Development Analyst

GFL Environmental Inc.

Jan 2024 - Apr 2024 (3 months)

Played a key role in completing over four acquisition deals totaling approximately $50 million CAD. Conducted comprehensive financial due diligence, including revenue and variance analysis, identifying $2 million in cost-saving synergies.

M&A Due Diligence Financial Analysis Forecasting scenario analysis Sensitivity Analysis Excel

Staff Accountant

BDO Canada LLP

May 2023 - Aug 2023 (3 months)

Prepared working papers including compilation statements and notice to reader engagements in compliance with regulatory standards. Filed tax returns for 75+ clients using I-firm software and assisted in audits for Assurance and Accounting engagements.

Financial Reporting Tax Preparation IFirm Audit Support Compilation Engagements

Residence Life Don

Wilfrid Laurier University

Jul 2022 - Apr 2023 (9 months)

Mentored a group of 40+ first-year university students in shaping their post-secondary experience. Leveraged creative and proactive methods to resolve urgent issues with an emphasis on good lifestyle.

Mentorship Student Support Conflict Resolution Leadership

Team Leader

BDO New Venture Case Competition

Mar 2022 - Apr 2022 (1 month)

Led the team to finish as one of the top 65 semi-finalists in a competition with 335 teams. Directed the Financial Statements Planning & Analysis section and sourced data from MarketLine.

Financial Analysis Market Line Team Leadership Case Competition