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Harsh Udawat

Deputy Manager, Credit Underwriting · City Union Bank

2years’ experienceLinkedIn

About

Deputy Manager in Credit Underwriting with ~1.5 years of experience across MSME lending and vehicle loans, backed by an MBA in Finance (IFMR GSB) and a BBA (Prestige Institute of Management and Research). NISM Series VIII certified. Comfortable across credit appraisal, financial statement analysis, and risk assessment, with growing focus on financial modelling and equity research. Looking to move into a Credit Risk, Financial Analyst, FP&A, or Equity Research role where I can build on my underwriting foundation with sharper analytical and modelling work.

Looking for

Roles in Credit Risk, Financial Analyst, FP&A, or Financial Modelling/Equity Research, ideally at established banks or financial institutions in Gujarat or Maharashtra. Open to positions that build on my credit underwriting background (MSME and vehicle loan appraisal) while giving me room to grow into deeper analytical, modelling, and risk-focused work.

Skills

Financial ModelingValuationEquity ResearchInvestment AnalysisDCFThree-Statement ModelingProject FinanceDSCRIRR/XIRRSensitivity and Scenario AnalysisFCFFWACCDDMEVAComparable Company AnalysisDerivativesOptions GreeksTechnical AnalysisMicrosoft ExcelPower BI

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