Pooja Wadhwa

Credit Analyst with an M.S. in Financial Risk Management and hands-on experience in credit origination, underwriting, and portfolio monitoring across a commercial loan book. Skilled in financial statement spreading, cash flow analysis, and ratio analysis using Moody's Analytics, Credit Lens, and Bloomberg Terminal to assess borrower creditworthiness, ensure covenant compliance, and prepare detailed credit approval memos.

Credit Analyst - Mercantile Bank - Troy, MI

(2025-06)

Commercial Lending & Credit Underwriting

• Spread financial statements and analyze historical balance sheets, income statements, and cash flows to evaluate liquidity, debt service coverage (DSCR), leverage, and profitability for commercial borrowers using Moody's Analytics and Credit Lens.
• Conduct annual and renewal credit reviews across a commercial loan book, identifying credit risk trends, deteriorating margins, and repayment risks to support senior credit officer decision-making.
• Support loan structuring and credit origination by reviewing loan applications, KYC documentation, third-party appraisals, and collateral schedules to prepare comprehensive credit approval memos.
• Monitor commercial loan portfolios for compliance with affirmative and negative financial covenants, partnering with relationship managers to resolve documentation exceptions and reporting deficiencies within strict SLAs.
• Maintain standardized Excel-based portfolio tracking sheets and internal loan grading schedules to ensure accurate monthly credit exposure reporting and counterparty risk evaluation.

Customer Relationship Officer (Operations) - Muthoot Finance - Nashik, India

(2020-07 - 2023-07)

Branch Lending & Credit Operations

• Managed daily credit operations and customer onboarding for a high-volume lending branch, verifying loan applications, applicant identity credentials, and collateral valuation certificates.
• Reviewed KYC, AML compliance files, and ownership documentation for monthly loan files, achieving a substantial reduction in documentation discrepancies and ensuring full audit readiness.
• Supported the complete lending lifecycle from credit appraisal and verification through loan sanction, funds disbursement, and secure physical custody of pledged collateral.
• Conducted regular repayment tracking and proactive borrower follow-ups for a portfolio of active accounts, minimizing delinquency rates and supporting timely loan renewals.
• Maintained accurate transactional ledgers and generated daily operational MIS performance reports in MS Excel for branch leadership to monitor disbursement volumes and recovery targets.

Master - Financial Risk Management - Pace University (2023-08 - 2025-05)

Bachelor of Commerce (B.Com) - Savitribai Phule Pune University (2017-06 - 2020-05)