Md Ibrahim
Financial Analyst with Master's in Finance and hands-on experience in financial modeling, valuation, and credit risk assessment
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About
Detail-oriented Financial Analyst with a Master's degree in Finance (CGPA: 8.78) and hands-on experience in financial modeling, valuation, credit risk assessment, budgeting, and data analysis. Proficient in Excel (Advanced), Python, SQL, and Power BI for financial reporting, budgeting & forecasting, variance analysis, and investment analysis. Skilled in applying DCF valuation, comparable company analysis, ratio analysis, and panel regression to deliver actionable insights.
Experienced in supporting business planning processes through scenario modeling, cost analysis, and performance tracking against KPIs. Seeking roles in Financial Analysis, Credit Analysis, and Equity Research.
Experience
Financial Analyst Intern at Indian Bank (2025-01 – 2025-06)
- Conducted 3-statement financial modelling (P&L, Balance Sheet, Cash Flow) to evaluate borrower repayment capacity and support credit decisions for corporate loan accounts.
- Built DCF models and conducted sensitivity analysis for credit appraisal of mid-corporate clients, assessing project reports and cash flow projections for creditworthiness.
- Performed financial analysis of corporate lending portfolio, evaluating borrowers across 5+ industry sectors using ratio analysis, financial distress modelling (Altman Z-Score), and fundamental scoring (Piotroski F-Score) to identify early warning signals.
- Prepared credit appraisal notes covering industry analysis, financial ratios, risk grading, and internal/external risk factors (auditor qualifications, litigation, sector susceptibility) for 20+ borrower accounts.
- Compiled monthly MIS reports covering financial ratios, P&L trends, and market outlook; supported senior analysts in budgeting and quarterly forecasting, contributing to cost performance reporting for the wholesale banking division.
Investment MIS Intern at Rajeev Matta & Co. (2023-12 – 2024-02)
- Analyzed investment data for 50+ payroll-linked accounts and produced periodic MIS reports summarizing ROI, fund performance trends, and portfolio returns, improving reporting accuracy by 15%.
- Audited payroll processes and investment records across multiple reporting cycles to ensure 100% compliance with internal controls and regulatory guidelines, identifying and resolving data discrepancies.
- Streamlined payroll-linked investment verification workflows, contributing to process optimization that reduced reconciliation errors and improved data integrity across monthly reporting cycles.
