Janki Patel, B.Eng, Mba Email and Phone Number

• Reviewed credit applications to assess credit worthiness of customers with established authority limits, appropriate due diligence, credit quality standards and structure.• Established and maintained positive relationships with broker to build loyalty to the company. • Preserved strong communication with customers to gather information and clarification regarding business model and loan usage.• Identified the risk category based on supporting documentation and take necessary deviation approvals with effective mitigation points from senior management.• Proposed credit application investigating all aspects and prepare recommendations for further approval.• Negotiated with brokers and business team on structure of the Loan and competitive pricing package in accordance with company’s established lending practices and guidelines, policies and procedures.• Co-ordinated with Funder, investor, legal and other third-party consultant to ensure all loan conditions are met before disbursement.• Prioritized applications and workflow to ensure consistent and sound risk assessments are maintained while managing high volumes and a continued focus on service excellence.• Performed risk assessment for assigned portfolio to identify deteriorating situation and take appropriate course of action for timely resolution. • Assisted in preparation of annual credit reviews including re-rating of transaction credit risk, updated financial statements and cash flow analysis.• Worked on ad hoc responsibilities, such as Preparing monthly review reports and MIS, assisting with compliance related tasks and completing department projects as assigned.•Established a network of contacts within the bank and with external professionals to keep current on emerging trends and development in industry.•Initiated monthly strategy discussion meet with co-worker to support positive work environment and for improvements in daily operation which leads to best customer experience.

•Assisted senior team of rating analyst with various industry facts and insights for publishing research reports. Major topics covered: 1) Facts and figures for sectors like Oil and Gas, Power, Fertilizer and Steel. 2) The challenges faced by private players in Indian Port industry.•Carried out credit rating procedure for an organization in Paper industry by doing objective analysis of the information and clarification obtained from entity. Proposed rating opinion to senior committee on the relative capability of the corporate entity concerned to timely service debts and obligations with reference to the instrument rated.