I will create lender ready credit analyses with detailed financial projections

India

I speak English

Credit Underwriting and AI Credit Model Evaluation

Credit risk professional with 15 years across a global financial research advisory firm, Indian banks and NBFCs, plus an AI/ML engineer. Expert credit underwriter • SME/MSME and US equipment finance c...
About this Gig

I will write your credit report with financial spreading, risk rating and peer analysis

Description

Need a lender-ready credit report without spending weeks on it? I'm a credit risk professional with 14 years in MSME and corporate lending across banks, an NBFC and a global analytics firm. I hold the CCRA credential.

What you get

  • Financial spreading: 3 years of historical financials plus 2 years of projections, in Excel
  • Ratio analysis: liquidity, leverage, coverage and profitability, with trends explained
  • Risk rating: a transparent scorecard with a clear rationale
  • Peer analysis: benchmarking against comparable companies
  • Industry analysis: outlook, key risks and demand drivers
  • Credit report: a structured written report with a summary and recommendation

Ideal for: lenders, NBFCs, credit analysts, consultants, and businesses preparing a loan application.

What I need from you: 3 years of financial statements, projections or key assumptions, company background, and the loan purpose and amount.

Not included: audit or certification, legal opinions, and investment advice.

Visualization tools:

Microsoft Excel

•

Python

Service type:

Budget Vs. actual analysis

Industry:

Financial services

Target country:

India

•

United States

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