Dilip Kumar S Email & Phone Number

Chennai, Tamil Nadu, India

Role Summary:• Conducting comprehensive annual credit reviews for existing bank customers by meticulously evaluating total exposure• Preparing in-depth summaries of borrowers, including analyses of loans, collateral, financial status, covenant compliance, and repayment assessments• Utilizing Debt Service Coverage Ratio (DSCR) calculations to gauge the financial capabilities of borrowers• Determining risk levels using a risk rating tool to establish each customer's Probability of DefaultDetailed Roles and Responsibilities:• Methodically reviewing customer files and source systems to identify essential information needed for annual reviews and facilitate customer information request emails• Thoroughly examining and analyzing borrowers' financial statements to assess their financial standing and cash flows, resulting in detailed financial analysis reports. These reports include summaries of income statements, balance sheets, and repayment capacities• Rigorously testing covenant compliance as per loan agreements, reporting compliance status to Relationship Managers• Performing internal valuations of pledged securities using income, yield, and sales comparison approaches• Proactively identifying significant risk profile changes, aiding Relationship Managers in comprehensive risk analysis and determination of Probability of Default ratings using specialized risk rating tools• Maintaining and updating the Management Information (MI) tracker to enhance workflow oversight and monitoring• Conducting detailed root cause analyses for QA team on errors reported by the Onshore team, addressing each case individually• Updating error logs and process trackers while leading weekly team meetings for continuous improvementTools Utilized:• CFW, E-file, Service Link, Transaction History, DRT tool, BIPS, Collate, and Rockall

Chennai, Tamil Nadu, India

Role Summary:• Executed commercial underwriting for loan proposals, annual reviews, and new funding requests in compliance with established policies and guidelines, ensuring adherence to Service Level Agreements (SLAs) and effective management of business volumesDetailed Roles and Responsibilities:• Rigorously analyzed past financial statements and tax returns of companies and individuals, providing detailed reports on financial positions, including Balance Sheet, Income Statement, Cash Flow Statement, and Interim Financial Statements• Assigned and articulated risk ratings, both Obligor and Loss Given Default (LGD), with comprehensive reports elucidating the rationale behind these ratings• Formulated and presented recommendations to the onshore underwriting team, influencing decision-making for proceeding with deals• Conducted in-depth analysis of companies' business models, identifying business and industry risks, and devising mitigation strategies in relation to proposed credit exposure• Collaborated closely with portfolio managers and sales teams, ensuring the acquisition of necessary information from prospective borrowers' management to minimize risk exposure• Analyzed Anti-Money Laundering (AML) documentation, including Dun & Bradstreet reports, Equifax Business Credit Reports, and individual Credit Bureau Reports• Prepared detailed Credit Analysis Summaries (CAS) for credit decision-making, encompassing borrower descriptions, industry analysis, financial analysis, risk assessment and mitigation strategies, and tracking of policy exceptions