Deon Fernandes Email & Phone Number

Mumbai, MH, IN

Mumbai, Maharashtra, India

• Credit appraisal of Large corporates for working capital and term loan funding across sectors.
• Assessing credit risk in proposals, incorporating mitigants to structure term sheets and recommending proposals for approvals/rejections.
• Regular monitoring of accounts and flagging of issues to management.
• Presenting top groups/ exposure reviews to senior management & regulators.
• Managing a portfolio of 60+ clients across various sectors/groups.
• Awarded CRISIL’s Platinum grade Certification (highest grade with score of 89%) for Credit Risk Assessment (Intermediate) workshop.

Mumbai Area, India

Mumbai Area, India

• Credit/project appraisal of corporate/ projects for working capital funding, greenfield/ brownfield capex
• Evaluating the feasibility of working capital and project funding by conducting due diligence through industry/business analysis, cost and sector benchmarking & assessing management quality,
• Assessing financial models in line with demand, costs, profitability and carrying out financial analysis to assess credit worthiness over the tenure of the facility.
• Articulating credit risks (Industry, Business, Management, Financial & Structure) of proposals in rating rationales/recommendations & incorporating mitigants in term sheets.
• Presenting and defending working capital/project funding proposals with recommendations before rating and sanctioning committees comprising of the bank’s senior and top management.
• Youngest team leader in credit. Led a team of 3 credit risk analysts with a portfolio of ~160 clients.

• Corporate & Infrastructure Ratings - Credit/project appraisal and rating of corporates across various sectors
• Front office role - Conducting fundamental analysis of companies which involve top management meetings (CEO, CFO), in-depth research of the company, competition and industry analysis.
• Comprehensive financial modeling which involves cash flow projections and ratio analysis.
• Preparing detailed credit appraisal reports/commendations and presenting it before a rating committee.
• Managing a portfolio of 90+ clients across various sectors – interacting for business updates and taking rating calls based on news updates and events.
• Awarded the Best Credit note for the quarter - Jan to March 2010 for analyzing operations and cash flow modeling of 12 road projects using a multitude of rating methodologies.

• Successfully implemented the production support project for a Fortune 500 Health insurance Company.
• Completed stint as Programmer Trainee at SYNTEL securing the highest rating.

Frm, Financial Risk Management

Activities and Societies: Credit Risk, Market Risk, Operational & Integrated Risk Management, Investment Management and Quantitative.

Cfa Level 3, Financial Analyst

Activities and Societies: Equity and Alternative Investments, Fixed Income and Derivatives, Corporate Finance and Portfolio Management.

Mba, Finance

•Topper at MBA (among a batch of 240 students): 1st rank at NMIMS University in 4th trimester (GPA: 3.92/4), 1st rank in 3rd trimester.

B.E., Electronics & Telecommunication

Hsc, Science

Ssc