• Specialize in wholesale credit underwriting for mid-corporate clients with annual turnovers ranging from Rs. 250 to Rs. 1,500 crores.• Hold approving authority for up to Rs. 60 crores for New-to-Bank (NTB) customers and Rs. 100 crores for Existing-to-Bank (ETB) customers.• Conduct thorough evaluations of credit proposals through financial and industry analysis, transaction-specific assessments, and feedback/reference checks.• Underwrite proposals by setting additional terms/covenants to safeguard the bank's interests.• Maintain close monitoring of the portfolio, which includes regular client interactions, timely project visits, and gathering market intelligence from industry experts.• Identify early warning signals and initiate reduction/exit strategies for deteriorating credits.• Manage a diverse sectoral portfolio worth Rs. 3,500+ crores across 75+ borrowers.• Contribute to the regular updating and improvement of the bank's Corporate Credit Policy (CCP)

• Conducted comprehensive credit evaluations to assess client creditworthiness, aiding in the approval process of proposals.• Contributed significantly to more than doubling the regional portfolio while ensuring compliance with internal and regulatory guidelines.• Guided and supported team members in credit analysis and proposal preparation.• Maintained high standards of housekeeping, ensuring timely and accurate completion of processes.• Played a crucial role in risk identification and mitigation, improving client satisfaction and portfolio performance.• Actively engaged in continuous improvement initiatives, identifying areas for enhancement and implementing appropriate changes.

• Conducted thorough credit assessments to evaluate the creditworthiness of clients, enabling informed decisions on proposal sanctioning.• Successfully secured sanction for more than 35 New to Bank (NTB) cases.• Instrumental in increasing the regional portfolio by more than 2x, ensuring compliance with internal guidelines and regulatory requirements.• Provided mentorship to fellow analysts and Relationship Managers (RMs), offering guidance and support in credit analysis and proposal preparation.• Maintained impeccable housekeeping practices, expediting the completion of financial covenants and review/renewal processes to ensure precision and regulatory adherence.• Updated internal and external ratings promptly, assisting team members in closing their ratings to maintain regulatory compliance.• Played an active role in identifying and mitigating risks, contributing to enhanced client satisfaction and portfolio performance.• Acted as a proactive contributor to continuous improvement initiatives, identifying areas for enhancement and implementing appropriate solutions.

• Evaluated credit profiles of borrowers by assessing financial, management, business, and industry risks, and conducted detailed project appraisals for project finance.• Collaborated closely with the business team to understand client requirements and structured credit solutions that benefit both the bank and the borrower.• Underwrote credit notes for sanctioning working capital facilities, non-fund based facilities, and term lending, ensuring compliance with internal and regulatory guidelines.• Regularly met with borrowers to understand their needs and closely monitor their performance.• Assisted the business team in understanding the risks associated with their portfolio's business/industry.

• Created Financial Deal Models and conducted valuation for the various types of deals done by the company – contract valuation, management services, box-in-box transactions, stand-alones and acquisitions.• Created the P&L Statements, Capital Expenditure schedule, Cash on Cash Returns Calculations to financially analyse all deals and based on the analysis advised core management and investors on commercial terms that can be offered to partners, the viability of projects and the expected returns;• Supported the top management in creating the corporate strategies to stay ahead of competitors, for future growth of the company. Involved in creating the companys’ business plan for the next 5 years.• Supported in India and Singapore management teams in deal processes, tracking and reporting.• Assisted in conducting the market research for the renal care market in India, to help the top management take decisions on way forward.

• Researched on prospective growth areas for the banking team and generated deal leads through pro-active demand generation, deal renewal and priming advisory channels.• Formulated strategies for better hunting and farming of accounts.• Interacted with the clients to understand requirements, identify stakeholders and assisted in the documentation as per business requirement;• Devised solutions as per client requirements, conducted cost benefit analysis, acquired approvals from all stakeholders and created User Acceptance Testing scripts;• Created industry value chain for financial services domain which was adopted by the company to create a skill repository of the BFSI vertical driven by the value chain elements;

• Critically analysed the operational aspect of implementation of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act (“Act”);• Determined and presented to the concerned executive the shortcomings of the Act by partaking of NPA recovery process and studying case histories;• Provided well-researched recommendations to overcome the operational shortcomings of the said Act.