Headline

MBA Finance Candidate | Banking Intern @ Punjab National Bank | Credit Analysis | Financial Analysis | Excel | Tally Prime | Aspiring Financial Analyst

About

I am an MBA Finance student at Shoolini University with a strong interest in banking, credit analysis, and financial decision-making. During my internship at Punjab National Bank, I worked on loan processing, credit analysis, document verification, and retail lending in the RAM department. I also gained practical experience using financial documents such as ITRs, bank statements, and CIBIL reports. Previously, I completed an accounting internship under a Chartered Accountant where I worked on journal entries, GST, ledger management, bank reconciliation, and Tally Prime. I am seeking opportunities in Financial Analysis, Credit Risk, FP&A, Banking, and Business Analytics.

Location

Hamirpur

Work experience

Banking Intern – Retail Agriculture & MSME (RAM) at PUNJAB NATIONAL BANK, Jun 2026 - Present · 3 mos, Mall Road Solan, Himachal Pradesh, India, Banking Intern – Retail Agriculture & MSME (RAM) • Assisted in processing Home Loans, Car Loans, Personal Loans, Education Loans, Home Loan Top-Up, and Takeover Loan cases. • Analysed CIBIL reports, ITRs, bank statements, income documents, employment details, and repayment capacity to assess loan eligibility. • Prepared loan proposals and sanction notes, verified customer and property documents, and ensured compliance with PNB lending policies. • Worked extensively on the PNB LENS portal to create customer profiles, process loan applications, and prepare proposals for approval. • Conducted financial statement verification using UDIN and reviewed audit reports under Section 44AB. • Performed cross-checking of sanctioned loan files, identified documentation gaps, and coordinated account activation after loan sanction. • Updated and cleaned retail, agriculture, and MSME loan data in Excel using VLOOKUP, Data Validation, and other functions to improve reporting accuracy. • Assisted in evaluating repayment capacity, existing liabilities, credit history, and risk factors while recommending suitable loan amounts.

Accounting Intern at Chartered Accountant, May 2024 - Jul 2024 · 3 mos, Assisted the finance team in preparing journal entries and supporting monthly closing activities. Reconciled 20+ bank and ledger accounts monthly, ensuring zero unresolved discrepancies at month-end. Processed 100+ financial transactions weekly using Tally Prime, maintaining 100% accuracy in records. Organized and maintained financial records for 3-month period, supporting timely monthly close. Ensured accurate maintenance of accounting records and financial data.

Education

Master of Business Administration - MBA, Finance, Shoolini University

Diploma in Computerized Accounting & Business Processes, Lord Shiva Institute