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.•Appraised more than INR 200.0 billion of proposals for providing working capital and term loan facilities.•Awarded certificate of excellence, as the credit analyst in corporate banking for FY2011.•Key industry sectors: Steel, Pharmaceuticals, Ports, Construction, Metals and Cement

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