Analysing loan applications of corporates. Risk Specialist in Project Finance/Syndication/Structured Finance/Consortium/Acquisition Finance lending.

Credit Approver - Large Corporate - West Region

Credit Approver and Central Committee member for Large, Mid and SME corporates.

Credit Approver for working capital applications of SME business. Analysis of complete business, judging the risks involved, benchmarking, and decisioning on the case.

Handling Mumbai, Ahmedabad, Rajkot and Surat working capital business.Financial analytics, process framing and a complete risk assessment of the client applying for working capital.Constant development of new/existing products catering to the Indian SME (Small & Medium Enterprises) sector.Maintaining Delinquency (defaults) level to lowest and product portfolio quality improvement.

Develop and amend existing/new credit lending policies with respect to risk appraisals and to approve the assets that we lend against.Keep a track of PAN India and maintain Delinquency at the lowest.Framing the lending norms like, capping leverage, minimum vintage, eligibility calculations.Was instrumental in implementing a Risk based Scoring model which was adopted as a part of lending and risk based pricing. In a contract with CMSL (Credit Market Services Ltd - an FTL group Co.) the scoring model was developed to judge the overall risk in lending to the client which was based on financial as well as industrial and market parameters.

Project Appraisal of company's business plans into buying assets (Hydraulic Axles & Cranes) for expansion. Conducting a thorough feasibility study in company's plan to acquire more axles and cranes financed from through Debt.