Amisha Sinha

Operations Associate

Kolkata, West Bengal, India3 yrs 7 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in credit risk assessment and underwriting.
Proven track record in improving loan approval accuracy.
Strong analytical skills in financial and competitive analysis.

Stackforce AI infers this person is a Credit Risk Analyst with expertise in Financial Services and Compliance.

Contact

Skills

Core Skills

Credit Risk ManagementRisk AssessmentCompliance ManagementInvestment AnalysisPortfolio ManagementFinancial AnalysisCompetitive Analysis

Other Skills

AMLAccountingAnalysing ChartsAnti-Money LaunderingAuditBalance Sheet ReviewCapital MarketsClient AnalysisCommunicationComplianceCredit AnalysisCredit Application VerificationCredit AssessmentData EntryEnglish

About

Currently working at ANZ as a Credit Assessment Officer where I do assessment for Australian mortgage loans. Working closely with the Australian market. Have experience in in Credit risk assessment, underwriting, customer relationship, Financial assessment, KYC, CDD, transaction monitoring, and regulatory compliance of applicants to help them with different home loan products and services within the credit policy of the bank. I am always keen to learn and explore new things and find new opportunities. This is something which helped me on the dais of International Management Fest, at Vietnam. I have done my Summer Internship in Motilal Oswal Financial Services ltd, which gave me the practical exposure of corporates. Financial Analysis, Competitive Analysis, Credit analysis , AML, Risk Management is something which interests me. I completed my Post Graduation Diploma in Management, wherein I have build my competencies and preparing myself to be Industry Ready. I have been always eager to learn interdisciplinary domain as well as practical knowledge of the same.

Experience

3 yrs 7 mos

Total Experience

3 yrs 7 mos

Average Tenure

3 yrs 7 mos

Current Experience

Anz

3 roles

Credit Assessment Officer CAD A

Promoted

Nov 2025 – Present · 7 mos

Independently evaluate and Underwrite Secured lending Applications for Individual borrowers (PAYG, Guarantors, Second registered mortgages) up to $2.25M AUD.
Conduct detailed reviews of limited guarantees provided for loan applications by Guarantors
Review and analyse special conditions and assess the intent of policy while effectively addressing referral cases.
Involved in crucial decision making while utilising Credit Authority Discretion

Credit AssessmentUnderwritingRisk AssessmentCompliance ManagementCredit Risk Management

Modular Credit Assessment Officer

Sep 2024 – Dec 2025 · 1 yr 3 mos

· Conduct risk-based assessments for 50+ high-value mortgage & loan applications per AML/KYC, LVR, & DTI thresholds.
· Underwrite loan application worth $10M+ per month, assessing borrower repayment capacity, debt-to-income ratios, & risk metrics resulting in improved loan approval accuracy by 90%.
· Evaluate borrowers with diversified income sources, investments, & business revenues to achieve 95% in risk grading.
· Led credit risk investigations, mitigating potential loan defaults & aligning credit approvals with bank policy and AML guidelines.

Risk AssessmentUnderwritingCredit AnalysisAMLKYCCredit Risk Management

Sr. Banking Operations Analyst

Nov 2022 – Dec 2024 · 2 yrs 1 mo

· Executed credit application verification (AV) & financial verifications for Australian mortgage lending portfolios.
· Performed financial statement analysis, reviewing borrower liabilities, OFI, & savings patterns to mitigate lending risk.
· Ensured compliance with loan underwriting policies, risk exposure, & lending criteria, safeguarding against NPAs.

Credit Application VerificationFinancial Statement AnalysisComplianceCredit Risk ManagementCompliance Management

Motilal oswal financial services ltd

Investment Management Intern

Jun 2022 – Jul 2022 · 1 mo · Bengaluru, Karnataka, India

I have worked in Motilal Oswal Financial Services Ltd as an Investment Management Intern, where I got a practical exposure of Intelligent Advisory Portfolio, Portfolio management Services, Marcellus product, Abakkus Product etc. I have also analyzed Client's portfolio and suggested the best of my knowledge. It has given me the practical experience of how corporates works.

Portfolio ManagementFinancial AnalysisClient AnalysisInvestment Analysis