Anu Amruth K

Supporting a leading European bank's US Corporate Banking portfolio as a credit domain specialist within Deloitte's Financial Services practice — responsible for credit analysis, risk assessments, and annual reviews for new-to-bank and existing clients. Conducting end-to-end underwriting analysis for US corporate banking clients including financial statement review, cash flow analysis, risk rating, and appraisal report preparation.

Engaging with senior stakeholders across client and internal teams to deliver high-quality credit assessments aligned with the client's credit risk framework and regulatory standards.

Lead credit analyst for ANZ's institutional portfolio spanning Australian and Singaporean corporates — responsible for end-to-end credit underwriting, risk rating, and appraisal report writing for large corporate exposures. Delivered comprehensive credit assessments covering financial statement analysis, cash flow modelling, risk rating, sector research, and documentation review (LOO / ISDA / FXDTC / TB) for complex institutional clients across multiple industries.

Partnered with senior management on risk set reviews and portfolio-level risk operations, ensuring compliance with regulatory and internal credit standards. Mentored and reviewed work of junior analysts across the R&A team, maintaining consistent output quality and turnaround standards in a high-volume institutional credit environment.

Received five consecutive quarterly recognitions from ANZ's Corporate R&A Division (Jan 2024 – Mar 2025) for analytical excellence and consistent high-quality delivery.

Conducted in-depth credit analysis for a portfolio of US large corporates under S&P Global's rating methodology — covering financial statement analysis, cash flow modelling, business/financial risk profiling, and formal rating recommendations. Built and maintained financial models (historical and projection) for rated entities; evaluated country, business, and financial risk profiles and conducted peer benchmarking across US corporate sectors. Co-authored publishable credit reports, press releases, and tear sheets with global S&P analysts; served as primary point of contact for sector-specific credit enquiries from global teams.

Tracked financial and operating performance, sector dynamics, regulatory trends, and compliance continuously — feeding directly into rating committee decisions. Trained and mentored junior analysts on S&P Global's credit analysis framework and rating methodology.

Conducted credit analysis and risk assessments for large financial institutions (banks, NBFCs) and manufacturing corporates, producing end-to-end rating reports submitted to rating committees. Prepared rating reports incorporating financial modelling, forecast analysis, peer benchmarking, and industry research — directly informing rating committee decisions.

Conducted operational site visits to assess client business health firsthand; presented findings and rating recommendations to senior management and external stakeholders including rating committees. Authored and published rating documents and press releases for rated entities; supported internal quality assurance and audit processes.

Thesis: Fundamental Analysis of the Cement sector using a top-down approach covering financial statement analysis, cash flow analysis, ratio analysis, Porter's model, SWAT, and market dynamics. Applied Altman Z-Score bankruptcy model.