Yash Kothari

Analytical and detail-oriented financial professional with 3+ years of demonstrable experience in credit risk analysis, financial statement review, and portfolio monitoring within the financial services sector. Proven ability to assess creditworthiness of large corporates, monitor industry and macroeconomic trends, and ensure adherence to internal risk frameworks. Adept at writing credit memos, performing independent risk assessments, and collaborating with cross-functional teams including Independent Risk and BCMA.

Strong working knowledge of wholesale credit processes, regulatory compliance, and internal controls.

• Independently assess creditworthiness of obligors by analyzing financial statements, liquidity positions, and leverage profiles.
• Prepare comprehensive interim and annual credit memos with fundamental analysis and risk rating recommendations in line with internal credit policies.
• Monitor client portfolios proactively, track industry trends and news events, and escalate emerging risks to credit risk leads.
• Collaborate with internal stakeholders and ensure deliverables are aligned with client expectations and risk appetite.
• Maintain detailed records and trackers, contributing to improved workflow and data transparency.
• Support the development and implementation of process improvements to enhance risk monitoring and control quality.

CFA Level 2, CFA Institute (2024)

Bachelor’s in Accounting & Finance, Mumbai University (2018)