 Preparation of the credit assessment notes covering detailed analysis of business, industry, management and financials. Finalization of terms and conditions (e.g. facility to be provided and structure) of the proposals in consultation with Risk analyst. Coordinate with the client for timely submission of stipulated monthly /quarterly performance reports such as QIS, sales statements, stock and book debt statement. Risk Management of the allocated portfolio and pro-actively monitor the accounts. Timely processing of the proposals to ensure the Best in class TAT. Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved. Client and factory visit as per requirement to ensure that monitoring is at the highest levels

 Credit assessment for Indian corporate client (SME and Large corporate) Assessment of working capital requirement of the client Preparation of Techno Economic Viability and Detailed Project Reports for submission to Financial Institutions (FIs) and Banks and make suitable credit recommendation. Analyzing the financial and business risk profile of companies, assigning the Credit rating and preparing the conclusive and focused credit proposals Finalizing project cost means of finance taking care of D/E ratio in accordance with the bank’s credit policy, vetting of the project cost. Prepare comprehensive financial models of various projects which includes estimates of Project Cost, Revenue Projections, Cash Flows Forecast/Budgeting, assessment of working capital, Scenario Analysis/Stress Testing, Financial Analysis through Financial Ratio’s, Risk Assessment and Return Analysis Credit appraisal (covering detailed analysis of business, industry, management and financials including financial ratios) and preparation of credit assessment notes. Undertake critical financial and economic analysis by keeping in consideration the historical background of the company, product/services, promoters, management, market, technology, various costs (project cost and operational costs) and financials. Commenting on the critical issues pertaining to pre-sanctioning and post-sanctioning of the loan to facilitate the banker in taking viable credit decision. To ensure fulfillment with Bank’s credit policies and statutory compliance's to lead to a sound decision making Delivering a range of services to businesses that are stressed or distressed, and advice them through debt restructuring/rescheduling Liaise with key personnel of the client companies and AGM/Managers of the concerned banks in order to validate viewpoints and seek primary information.

 Credit Rating Analysis for Indian corporate(Large & SME) applicants (Under Basel II norm, RBI) Analysis of Credit due diligence  Overall Credit Risk Assessment of Indian corporate clients. Evaluation of Financial Risk (Projecting the future financials, Analysis of past and current Financials and Recommending the Financial Risk Rating to the Rating Committee.) Evaluation of Business Risk, Operating Efficiency Risk, Market Risk and Overall Business Risk. And Recommending Overall Business Risk Rating to Rating Committee. Evaluation of Industry Risk.  Interacting with top management of companies and visiting sites of the manufacturing unit for understanding the nature of their business, the operations & risk factors associated with them.  Responsible for carrying out SWOT analysis and Peer group analysis for companies. Preparing Rating Note and presenting the same to the Rating committee. Once rating discussed with committee disclosing the Final Rating assigned by the committee to the client.

 Credit analysis for US corporate applicant.  Evaluation of Financial Risk (Projecting the future financials, Analysis of past & current Financials and Recommending the Financial Risk Rating to the RM.)