Laxman Munigala
London,Canada
Summary
Driven professional with keen analytical mind seeking to excel as Credit Analyst. Adept in financial analysis and risk assessment, coupled with strong communication and problem-solving skills. Poised to contribute to informed lending decisions and foster financial stability.
Overview
4
4
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work history
Credit Analyst - II
Wells fargo
San Francisco, United states of america
11.2019 - 11.2023
- Oversaw the full credit and collections cycle for a large customer base, helping to secure on-time payments and cut down delinquent accounts.
- Reached out to customers regularly to settle overdue balances, arrange repayment terms, and build strong relationships with owners and accounts payable teams.
- Worked directly with clients to gain insight into their business challenges and designed action plans to reduce financial risks.
- Gathered and analyzed financial statements from company owners, VPs, and other senior contacts to assist in credit decision-making.
- Handled recovery efforts for complex and high-risk accounts and escalated urgent issues to management when required.
- Kept customer records up to date by setting up new accounts, adjusting credit limits, and maintaining accurate profiles.
- Recorded daily customer payments in the Accounts Receivable subledger and verified that entries matched bank deposits.
- Reviewed orders and either approved, released, or placed them on hold based on payment history and credit policies.
- Assisted branch controllers and corporate credit managers with reports, data analysis, and other ad-hoc projects.
- Used Sage and Excel to monitor aging reports, prepare financial summaries, and ensure compliance with company credit procedures.
Education
Graduate certificate in Project management -
Algoma University
Mississauga, Ontario 01.2024 - 07.2025
Bachelors of Commerce - International Accounting & Finance
Loyola Academy degree & Pg college
Hyderabad, India 06.2016 - 04.2019
Skills
- Accounts Receivable (AR) Management
- Credit & Collections Management
- Customer Relationship Management
- Risk Assessment & Mitigation
- Financial Analysis
- Reporting & Documentation
- Microsoft excel, word
- Attention to Detail & Accuracy
- Order-to-Cash Process
- Adaptability & Independence
Accomplishments
- Wells Fargo : Achieved " Exceeds Expectations " ratings, recognized as the youngest leader in senior management.
- Leadership Recognition : Awarded for driving process improvements and ensuring regulatory compliance.
- Acknowledged for exceptional leadership and ability to drive results in dynamic and fast-paced environments. Played a key role in implementing compliance strategies and operational improvements across teams.
Certification
- Audit and Due Diligence Foundation- LinkedIn ( Jason Schenker - Economist Finance Expert )
- Currently pursuing CPA Level 1 ( 2025 Expected )
- Canadian Securities Course ( CSC ) ( Dec 2025 - Expected )
Activities and Honors
- Constantly seeking opportunities for growth, including attending finance webinars, certification courses ( CPA ) and participating in industry events to stay updated with market trends.
- Actively involved in mentoring younger professionals and students interested in finance, risk management, and business operations, helping them navigate their career paths.
- Keen interest in emerging technologies like AI, ML and financial automation, and their potential to shape the future of finance and compliance.
Timeline
Graduate certificate in Project management -
Algoma University
01.2024 - 07.2025
Credit Analyst - II
Wells fargo
11.2019 - 11.2023
Bachelors of Commerce - International Accounting & Finance
Loyola Academy degree & Pg college
06.2016 - 04.2019
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