Mudit Aggarwal has over 7 years of experience as a credit analyst and credit officer for IndusInd Bank and State Bank of Hyderabad. His responsibilities have included assessing fund and non-fund based credit limits, balance sheet analysis, financial ratio analysis, credit rating computation, and recommending sanctioning of credits. He has an MBA in IT and Finance and is well-versed in credit analysis, risk assessment, and using tools like MS Office. Currently working as a Manager with IndusInd Bank in Delhi, his expertise lies in evaluating new SME loan proposals, reviewing existing portfolios, and ensuring timely renewal of credit facilities.

1. MUDIT AGGARWAL
Mobile: 9990243968
E-Mail: Mudit21a@gmail.com
~ Credit Analyst – Banking Sector ~
ϒ Balance Sheet Analysis
ϒ Financial Ratios Analysis
ϒ Credit Rating Computation
ϒ Assessment of Fund & Non-Fund Based Credits
ϒ Preparing CMA and Appraisal Notes
ϒ Recommending to Sanctioning Authorities
 Currently working with IndusInd Bank Ltd., Delhi.
 Previously, worked with State Bank of Hyderabad, H.O. @Hyderabad.
 Sound working knowledge in Credit Domain of banking sector
 Exceptionally organized track record that demonstrates regularity, punctuality and effective management.
 Possess exceptional team spirit thereby helping in accomplishing organizational & personal goals.
 An effective communicator with excellent relationship building & interpersonal skills.
WORK EXPERIENCE
IndusInd Bank Limited (18th
February 2015 - Present) Credit Analyst (Manager)
Present [In-Hand Assignments]
 Assessment of Fund Based Limits which includes Cash Credit Limits, Term Loans etc.
 Assessment of Non-Fund Based Limits which includes Letter of Credit, Buyers Credit, Bill
Discounting under letter of credit, Lease rental discounting and Bank Guarantee.
Section Task Handling Duration
Business Banking
Group
[New SME
Proposals]
 Meeting with the new clients to discuss their needs
 Extracting financial ratios from Balance Sheets to
check eligibility with banking parameters
 Check with internal/external credit rating, CIBIL
reports, RBI defaulter list, Bank Defaulter list and
RBI SMA Accounts Check
 Preparing Credit Appraisal Note to Log-in with Risk
Dept.
 Addressing Queries raised by Risk Dept to get the
proposal sanction
 INR 25.00 lacs< Ticket size< INR 10.00 Cr
From February 2015 to till
date.
Business Banking
Group
[Existing Portfolio]
 To renew/review existing credit facilities
 Modifications and approvals in existing cases as per
needs and requirments of customer

2. State Bank of Hyderabad (02 July 2012 - 27th
December 2015) Credit Officer (Assistant Manager)
• Joined State Bank of Hyderabad on 2nd
July2012 after clearing national level SBI Associates Entrance
Exam for Probationary Officers held in July 2011.
Certifications Achieved:
• Appreciation letter from Top Management for fastest implementation of an IT project “Active Directory Services”
in the Gulbarga Zone (Karnataka), State Bank of Hyderabad.
• Certificate for Anchoring of Seminar on “Supply Chain Management-Emerging Trends” during MBA.
• Actively participated in all chess tournaments held in State Bank of Hyderabad.
MS-Office FORTE
 Well versed in V Lookup, Pivot Table, Formulaes & functions.
Academic Contour
ϒ Certificate of “Certified Associate of the Indian Institute of Banking & Finance” (CAIIB), Year-2014.
ϒ Certificate of “Junior Associate of the Indian Institute of Banking & Finance” (JAIIB), Year-2014.
ϒ MBA (IT & FINANCE) from G. G. S. I. P. U, New Delhi in 2011 with 82%.
ϒ B. Tech. (IT) from G. G. S. I. P. U, New Delhi in 2009 with 72%.
ϒ Organised and anchored a seminar on “Supply Chain Management-Emerging Trends” during MBA.
PERSONAL DOSSIER
Departments Worked in Task Handling Duration
MSME
 Interviewing applicants for new loans and
advances for Micro, Small, Medium Enterprises.
 Inspecting , processing and recommending loan
proposals to sanctioning authorities
 Preparing Credit Monitoring and appraisal data
for recommending the loan proposal
 Visiting borrowers and initiate necessary action
to safe guard lent fund and reduce bad debts.
 Data Cleansing to meet Basel Capital
Requirements.
2 Years
Retail Branch Banking
 Serving Customers as per their requirements
 Assigning tasks to clerks and other staff to run
the branch
 Resolving Customer issues
 Reporting to higher authorities at head office
level and controlling offices

3.  Date of Birth : 7th
July 1985.
 Address : C 440B Street 20, Bhajanpura, New Delhi-110053.
 Languages Known : English, Hindi.
 Hobbies : Playing Chess, Indoor Games etc.
(MUDIT AGGARWAL)
PLACE: DELHI