Rohit Soni

I’m a Senior Credit Analyst with 3.5 years of experience in credit underwriting, financial statement analysis, credit risk assessment, and business loan evaluation. I focus on translating financial data into clear credit decisions that support both risk control and business growth.

In my credit work, I review and analyze business loan applications, assess borrower creditworthiness, and evaluate repayment capacity through cash flow and ratio analysis. I prepare detailed credit reports and conduct credit appraisal by analyzing Balance Sheet, Profit & Loss Statement, and Cash Flow Statement.

I also work with real-world transaction and compliance requirements—reviewing KYC, financial, and business documents; checking CIBIL reports, banking transactions, and existing liabilities; and recommending loan approval, rejection, or conditional approval based on risk analysis. I coordinate with sales, operations, legal, and risk teams to keep credit processing smooth and policy-aligned.

Earlier, I evaluated over 200 financial statements, credit scores, and market conditions and maintained credit files while supporting credit risk framework and policy improvements. I bring advanced Microsoft Excel, strong report writing, attention to detail, and consistent communication with stakeholders.