01
Credit & Risk
Independent credit assessment, delegated sanctioning, cashflow analysis, debt-serviceability, PD/LGD interpretation and portfolio exposure control.
Credit AssessmentSanctioningPD / LGDRisk Appetite
CORPORATE CREDIT & RISK
Credit judgement
backed by analysis.
Debomitra Mukherjee is a Corporate Credit Analyst specialising in mid-market commercial lending, structured asset finance and cashflow-led credit assessment.
Reading, UKMid-Market LendingAsset Finance
Corporate Credit
Debomitra Mukherjee
Credit & Risk Professional
5+
Years
Progressive experience across commercial lending, SME credit and asset finance.
£20m+
Facilities
Structured and complex lending facilities assessed through detailed credit analysis.
~£70m
Borrower Revenue
Corporate borrowers assessed across the mid-market segment.
£0.4m
Delegated Authority
Formal authority for uncovered credit risk per transaction.
01 — ABOUT
Turning financial evidence into clear credit judgement.
Debomitra is a Corporate Credit Analyst with experience spanning mid-market commercial lending, SME underwriting and hard asset finance.
Her current work involves assessing borrowers with revenues of up to approximately £70m and underwriting transactions ranging from flow deals to complex structured facilities of £20m+. Her approach combines cashflow and debt-serviceability analysis with financial spreading, ratio analysis, collateral assessment, probability-of-default modelling and qualitative risk judgement.
She works closely with relationship managers, originators and broker channels to shape proposals that balance commercial objectives with portfolio risk parameters — including challenging structures or declining transactions when they fall outside risk appetite.
01
Evidence first
Build the credit view from financial performance, cashflow, debt-serviceability and verified borrower information.
02
Commercial context
Understand the business model, transaction rationale, sector dynamics and structure rather than assessing numbers in isolation.
03
Independent judgement
Challenge structures where necessary and make clear, defensible recommendations within defined risk appetite.
02 — EXPERTISE
Credit expertise built across complex lending environments.
A combination of financial analysis, commercial judgement, structured lending knowledge and analytical tools.
02
Financial Analysis
Structured analysis of financial statements, trading cashflow and financial ratios to build a complete view of borrower strength and debt capacity.
Financial SpreadingCashflowLiquiditySolvency
03
Commercial Judgement
Close partnership with originators and relationship managers to shape transactions while maintaining independent credit discipline.
Deal StructuringCommercial ChallengeNegotiationDecision Ownership
04
Asset Finance
Experience across transport, construction and plant & machinery finance, including collateral assessment and dealer finance.
Hard AssetsCollateralDealer FinanceResidual Value
05
Credit Technology
Practical experience using established credit, financial-data and analytics platforms to support underwriting decisions.
Moody's RiskCalcExperianLexisNexisOcrolus
06
Analytics
Additional quantitative capability spanning SQL, R, regression modelling, forecasting and advanced Excel.
SQLRRegressionForecasting
03 — EXPERIENCE
A progression from financial-services technology to commercial credit judgement.
Experience across banking, fintech and asset finance, with increasing responsibility for independent credit assessment and decision-making.
Current roleOct 2022 — Present
Corporate Credit Analyst
PEAC Solutions
Bracknell, UK · Hard Asset Finance
Assessing mid-market commercial borrowers and structured asset finance transactions across transport, construction and plant & machinery.
Selected responsibilities
- Assess corporate borrowers with revenues up to approximately £70m across flow deals of £500k–£1m and complex structured facilities of £20m+.
- Exercise formal delegated sanctioning authority of £0.4m uncovered risk, retaining accountability for credit quality and risk-appetite compliance.
- Combine trading cashflow and debt-serviceability analysis with financial spreading, liquidity, profitability and solvency assessment.
- Generate probability-of-default grades using Moody's RiskCalc alongside qualitative assessment of borrower, sector and market risks.
- Prepare and independently present Credit Approval Memos to a Local Credit Committee comprising senior Credit, Sales and Managing Director leadership.
- Partner with originators, relationship managers and brokers to shape structures, challenge terms and decline proposals outside risk appetite.
- Apply enhanced fraud scrutiny to broker-originated proposals and actively control exposures through drawdown decisions.
Feb 2021 — May 2022
Credit Underwriter
BluCognition Pvt. Ltd.
Pune, India
SME Lending · US Fintech
Underwrote unsecured small-business lending for US fintech clients using financial data, transaction cashflow and credit scoring.
- Made Go / No-Go underwriting recommendations with accountability for decision quality under tight turnaround SLAs.
- Analysed merchant bank statements and transaction cashflow patterns using the Ocrolus document-automation platform.
- Spread balance sheet and income statement data to assess liquidity, profitability and solvency.
- Reviewed Experian risk scores and internal scoring models to calibrate lending decisions.
Jul 2020 — Feb 2021
Credit Underwriter
Bandhan Bank
Kolkata, India
Small Enterprise Loans
Made independent credit decisions for unsecured working-capital and line-of-credit products within a defined sanctioning authority.
- Assessed borrower creditworthiness and repayment capacity through financial analysis and borrower meetings.
- Worked directly with Relationship Managers to obtain financial information and structure credit requests.
- Supported high-volume lending decisions while maintaining discipline within the bank's SEL credit framework.
Sep 2014 — Aug 2018
Test Professional
Cognizant Technology Solutions
Kolkata, India
Financial Services · Payments
Delivered functional quality assurance for a leading US credit card issuer across payment authorisation and settlement modules.
- Built early domain grounding in banking, credit cards and payment processing.
- Received Pillar of the Month recognition in 2017.
04 — CREDIT APPROACH
How I assess credit.
A disciplined process that brings together financial evidence, transaction structure, collateral and commercial context before arriving at a credit recommendation.
01
Understand
Borrower & transaction
Understand the borrower, transaction purpose, business model, sector dynamics and proposed facility before forming a credit view.
Business profile
Transaction rationale
Sector context
02
Analyse
Financials & cashflow
Assess historical financial performance, trading cashflow, liquidity, profitability and solvency to understand the underlying financial position.
Financial spreading
Cashflow analysis
Ratio assessment
03
Assess
Capacity & risk
Evaluate debt-serviceability, collateral, LGD inputs and probability of default alongside qualitative borrower and market considerations.
Debt capacity
PD / LGD
Collateral assessment
04
Challenge
Structure & appetite
Challenge the proposed structure where necessary, balancing commercial objectives against risk appetite and transaction-specific risks.
Risk-reward balance
Structure challenge
Mitigants
05
Decide
Recommendation
Translate the analysis into a clear, defensible recommendation — supporting, renegotiating or declining the transaction where appropriate.
Credit recommendation
CAM preparation
Committee presentation
Decision principle
Strong credit decisions come from understanding both the numbers and the business behind them.
Evidence
+ Context
+ Judgement
+ Context
+ Judgement
05 — EDUCATION
Financial knowledge supported by analytical capability.
An academic foundation in economics and finance complemented by formal training in data analytics, regression modelling and forecasting.
2018 — 2020Postgraduate
MBA
Finance
University of Calcutta
Academic foundation
2011 — 2014Undergraduate
B.Sc.
Economics
University of Calcutta
Academic foundation
Additional certification
Data Analytics
Ivy Professional School
RRegression modellingTime-series forecastingData analytics
06 — CONTACT
Let's talk about credit, risk and commercial lending.
For professional opportunities, industry conversations or collaboration, connect via LinkedIn or email.
Corporate Credit · Risk · Analysis · Judgement
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