● Responsible for deal origination, structuring, credit appraisal, risk assessment, obtaining credit approvals and implementation of financial solutions. ● Engagement with clients to identify their financial needs, advising and then structuring the deal. ● Preparing comprehensive credit notes for appraisal of the proposals involving detailed analysis of company’s financials, cash flows and liquidity along with business and management risk profile. ● Assisting in credit rating of the company by… Show more ● Responsible for deal origination, structuring, credit appraisal, risk assessment, obtaining credit approvals and implementation of financial solutions. ● Engagement with clients to identify their financial needs, advising and then structuring the deal. ● Preparing comprehensive credit notes for appraisal of the proposals involving detailed analysis of company’s financials, cash flows and liquidity along with business and management risk profile. ● Assisting in credit rating of the company by analyzing the financial and business risk of the company, its competitive position, benchmarking with peers, industry risks and prospects, historical performance of the company, project risk etc. ● Conducting site visit of plant and project locations. ● Cross-selling banking products including treasury solutions, investment banking, corporate advisory, liabilities, etc., to serve entire banking needs of the client and to boost profitability of the bank. ● Responsible for pre disbursement compliance, post disbursal credit monitoring and regulatory compliance. ● Periodic reviewing of profitability, liquidity and productivity assumptions of overall portfolio through asset quality reviews, sensitivity analysis and stress testing. Show less

● Preparation of detailed credit proposals for rating various debt instruments and restructuring proposals of mid/large corporate while analyzing the business, financial and management risk profile and maintaining strict regulatory compliance. ● Regular interaction with customer’s senior management to understand the business profile, present and future debt requirement, fund-based and non-fund-based working capital requirement. ● Preparing overall risk assessment models which include financial… Show more ● Preparation of detailed credit proposals for rating various debt instruments and restructuring proposals of mid/large corporate while analyzing the business, financial and management risk profile and maintaining strict regulatory compliance. ● Regular interaction with customer’s senior management to understand the business profile, present and future debt requirement, fund-based and non-fund-based working capital requirement. ● Preparing overall risk assessment models which include financial modeling, liquidity assessment on various parameters, and comparison across the industries. ● Regular interaction (presentations) with investors and clients (CXO) for explaining the rating rationale and industry analysis. ● Preparing detailed credit reports and making presentation to the rating committee. ● Part of the rating committee team (voting member) for mid and emerging corporates. ● Team management ensuring time bound execution of rating surveillance and fresh rating mandates, management of client escalations and monthly monitoring & reporting of team performance. ● Contribution to media visibility and brand building through preparation and presentation of industry outlook and credit opinions. Show less

• Appraisal of credit proposals of Mid/Large corporate by evaluating borrower’s financial strength, future growth plans, scenario analysis, company’s performance vis-à-vis overall industry.• Analysis of Fund Based [WCDL, ECB, Buyer’s Credit, PCFC, EPC, Term loan, Cash Credit] limits and Non-Fund Based [LC, BG (performance guarantee, Bid Bond, financial guarantee)] limits for the borrower.• Assessment of credit rating of the company by analyzing the financial and business risk of… Show more • Appraisal of credit proposals of Mid/Large corporate by evaluating borrower’s financial strength, future growth plans, scenario analysis, company’s performance vis-à-vis overall industry.• Analysis of Fund Based [WCDL, ECB, Buyer’s Credit, PCFC, EPC, Term loan, Cash Credit] limits and Non-Fund Based [LC, BG (performance guarantee, Bid Bond, financial guarantee)] limits for the borrower.• Assessment of credit rating of the company by analyzing the financial and business risk of the company, its competitive position, benchmarking with peers, industry risks and prospects, past track record of the company, project risk etc.• Analysing the impact of global and domestic events on the sector, understanding the trends of the industry and the individual companies and tracking various data points to capture the emerging themes.• Responsible for pre disbursement compliance, post disbursal credit monitoring and ensuring regulatory compliance. Show less

• Handled corporate banking segment and appraised proposals for short term (working capital) and long term (project finance) Fund based & Non-Fund based borrowing requirements of large/mid corporate.• Carried out comprehensive analysis of actual & projected financial statements of the company using industry based financial models.• Assigned credit rating after analysing the operational, business, financial and managerial risk aspects of the company.• Responsible for managing… Show more • Handled corporate banking segment and appraised proposals for short term (working capital) and long term (project finance) Fund based & Non-Fund based borrowing requirements of large/mid corporate.• Carried out comprehensive analysis of actual & projected financial statements of the company using industry based financial models.• Assigned credit rating after analysing the operational, business, financial and managerial risk aspects of the company.• Responsible for managing existing client relationships and ensuring timely renewal of limits, repayments, interest servicing and further business opportunities to sustain profitability. Show less

• Led the team providing application infrastructure support for critical applications like loan processing, internet banking, mobile banking etc. to international BFSI clients.• Technical review of the team’s open tickets and weekly review meeting with client.• Improved overall process to increase efficiency and imparted training to team members at Noida and Bangalore.