shivadhatri Shivadhatri

I've analyzed financial statements, reconciled accounts payable and receivable, and supported data-driven decisions at Advance Technology Hub. My work included income statements, balance sheets, cash flow statements, EBITDA reporting, ratio analysis, and compliance reviews.

At Better Mortgages Pvt Ltd, I managed mortgage loan file creation and initial processing for 16 to 23 loan files a day. I verified applicants, calculated qualifying ratios, reviewed income and credit documentation, assessed debt-to-income ratios, and recommended credit limits under internal credit policies.

I also resolved Jira requests involving file creation, credit checks, and documentation discrepancies while maintaining compliance with mortgage lending regulations and underwriting standards.

Alongside financial analysis, I've developed operational guidelines and skilling frameworks for Bihar Skill Development Mission. With a PGDM in Finance and a Gold Medalist distinction, I'm focused on bringing structured analysis, credit documentation, and risk assessment to a Credit Analyst role.