Dharmambal N A Email & Phone Number

Chennai, Tamil Nadu, India

• Conducted comprehensive financial analysis, assessing creditworthiness and evaluating risk for diverse client portfolios.
• Developed expertise in credit risk assessment, specializing in corporates with annual turnover more than INR 100 crore and credit exposure more than INR 7.5 crore.
• Utilized advanced techniques to forecast financial trends and making use of the tools to develop CMA for clients.
• Collaborated closely with stakeholders and co-developed a client portfolio of 200 crore.
• Ensured compliance with regulatory requirements, maintaining meticulous documentation and adherence to industry standards.
• Maintaining portfolio hygiene through publishing regular MIS and rigorous follow-ups.

Kozhikode, Kerala, India

• Prepared monthly financial statements and reports, analyzing variances and communicating financial performance to senior management.
• Led budgeting and forecasting processes, achieving alignment with corporate objectives and strategic plans.
• Successfully negotiated and secured project loans and working capital loans, facilitating strategic expansion initiatives and enhancing liquidity to support company growth.
• Key contributor in securing the company's first-ever external credit rating.
• Developed and maintained internal controls to ensure compliance with company policies and regulatory requirements.

Malappuram, Kerala, India

• Conducted thorough credit assessments to evaluate applicants' financial backgrounds, assessing creditworthiness and repayment capacity.
• Analysed bank statements, credit reports, income documentation, and debt-to-income ratios to determine risk levels and make informed loan decisions.
• Collaborated with multiple internal and external stakeholders to expedite end to end loan disbursement process while maintaining high standards of accuracy and integrity.
• Monitored loan portfolios and performed periodic reviews to assess credit quality and identify potential risks or opportunities for improvement.

Associate'S Degree, Accounting And Finance, First Attempt

Bachelor Of Commerce - Bcom, Business/Commerce, General, 84%