
Jayesh K
Credit Analyst
Competenze

Consulta i miei servizi

Esperienza lavorativa
Coverage - Credit Analyst
Standard Chartered • Full time
Jan 2026 - Present • 8 mos
• Executed credit renewals, enhancements, and transaction approvals across sectors including auto components, technology, and travel, coordinating with cross-border teams and product partners. • Prepared detailed approval memoranda for large corporate clients with limits of ~USD 120 Mn, covering financial analysis, industry research, company performance, risk assessment, and recommendation rationale. • Performed quarterly financial analysis for 13+ clients with aggregate limits of ~USD 97 Mn, assessing liquidity, leverage, debt servicing capacity, operating performance, and key credit risks. • Coordinated with Risk Approvers, coverage bankers, product teams, and cross-border stakeholders to resolve approval queries, improve turnaround time, and ensure minimal refer-backs. • Analyzed client financial performance, capital structure, working capital requirements, and sector outlook to support decision making on renewals, enhancements, and financing transactions.
Audit Senior
Deloitte • Full time
Sep 2022 - Sep 2025 • 3 yrs
Worked extensively in statutory audits and limited reviews of standalone and consolidated financial statements for listed and unlisted companies. Key Industries: Renewable Energy: Solar and Hydro-Electric Energy; Fintech: Cyber security and Micro-Finance; Manufacturing: Automotive and Plastic OEMs; Logistics; Travel and Event management. • Executed statutory audits and financial reviews for listed and unlisted companies across Renewable Energy, Fintech, Manufacturing, Logistics, and Consumer sectors, developing strong expertise in financial statement analysis and business assessment. • Performed detailed financial analysis of revenue, working capital, borrowings, treasury, leases, and cash flows to evaluate business performance, liquidity, and capital structure. • Conducted covenant and credit analysis, assessing leverage, liquidity, debt-service capacity, and interest coverage metrics to identify potential financing and risk concerns. • Evaluated impairment models and discounted cash flow projections for renewable energy businesses, reviewing key operational and financial assumptions across subsidiaries and cash-generating units. • Applied ratio analysis, trend analysis, and profitability assessments to identify key business drivers, operational risks, and performance trends. • Collaborated on merger and business combination engagements for a leading fintech company (₹2,500+ Cr revenue), supporting transaction-related financial analysis and accounting evaluation. • Led end-to-end engagements for companies with ₹150+ Cr turnover, managing 3–5 workstreams, senior stakeholder coordination, and financial deliverables to support timely decision-making.