Financial Due Diligence, M&A

-Assessed client's overall financial picture (Credit, Income and Liabilities) and understand their needs to devise an appropriate lending plan. -Assessed all financial ratios specific to underwriting. -Assessed the clients profile by performing a comprehensive check of the personal documents to analyze any high risk account (Know your customer checks for a new client)-Used in-house data mining tools for credit risk management, fraud detection and bankruptcy filings to detect anypotential red flag. -Reviewed the credit reports of the clients for necessarychecks for any derogatory activities, i.e. the OFAC check, bankruptcy, fraudulent activities etc. that the client could be involved in. -Performed checks for anti-money laundering via any largecredits/debits in the bank statements. -Surveillance of any unusual account transactions that could be a red flag i.e. transactions via OFAC sanctioned countries etc.- Creating credit appraisal memorandum quoting pros and cons of the client profile and if the client is the right person to be funded to.

-Selected a sector to work on and chose top 23 stocks (large and mid-cap)-Analysed each stock fundamentally to give Buy, Sell and hold recommendations via ratio analysis, top line and bottom line analysis. -Coupled the ‘Buy’ recommended stocks to create a hypothetical portfolio (allocated hypothetical Rs 10 Cr) and calculated NAV daily for 2 months to beat the benchmark index-Benchmark index was hypothetically created of the 23 stocks selected initially.