Part of Strategy Team looking after Equity Investment with experience in Deal origination, structuring and closure which involves regular interactions with Entrepreneur, Founders, Strategy and Growth Team of various companiesDeveloping client base for media equity investment transactions in FMCG, Consumer Internet, Healthcare, Social commerce and Technology spaceExperience in complex transaction structuring, financial modeling, valuation assessment, due diligence and execution of legal documents. Driving discussions with internal stakeholders to ensure timely closure of deal and implementation of business objectivePreparing Investment Assessment Presentation for internal discussions and HT Board approvalManaging existing investment by monitoring company’s strategy implementation and presenting regular exit strategy to HT Board and Treasury

Part of Corporate Finance team, looking after investment and business opportunities in Real Estate, Healthcare, Hospitality and Education sector, managing loan portfolio of INR 1500 Crore across various corporate Analysed new business opportunities/ re-financing deals and worked closely with treasury team of various corporate to understand fund requirements and design appropriate deal structures.Prepared Credit Assessment Note that included project finance, financial analysis and non-financial parameters like business model, industry, competition and managementDeveloping client base and managing existing & new relationship of corporates across North India. Build and manage relationships across credit and non-credit clients to ensure long term sustainable revenue generation Strategizing and planning towards sourcing and converting mandates into business for the organization. Generation of revenue through fees, interest Income and cross sell of bank products.

Managed a loan portfolio of more than INR 20 BN as part of Commercial and Corporate Banking teams, exclusively handling Gujarat’s exposure.Prepared Risk Advice that included analysis of financial and non-financial parameters including business model, industry, competition and management for assessing the credit quality and debt serviceability of the clients.Prepared credit appraisal notes that included SWOT analysis, identified key risks and put forth the rationale for recommendation or no recommendation to the Sanctioning Forum. Monitored the portfolio by taking quarterly updates on financials, account conduct and identified early warning signals to maintain a healthy portfolio.Attended consortium meetings, important credit deliberations and carried inspection of the units for progress update

Analytical interactions with company’s top management to get relevant insights on the business and future plans in order to assess its business risk and cash flow position. Credit analysis of large sized corporate across various sectors.Presentation to issuers, investors and bankers for providing brief insight on company’s overall performance and outlook going forward. Detailed evaluation of company’s performance followed by analysing Industry Risk, Business Risk, Financial Risk and Management Risk along with peer comparison.Understanding the prevailing dynamic and expected trend across industries. Preparing detailed rating note with rating recommendation and presenting it before rating committeePreparing rating rationale, comprehensive Credit Rating report and releasing it in the public domainReal estate mandate execution covering both commercial real estate and residential real estate

Managing an asset portfolio more than Rs. 1250 crore, with clients in Large Corporate Group (all accounts have either a minimum Turnover of Rs. 1000 crore or a minimum group exposure of Rs. 50 crore).Processing of credit proposals (Rs. 30 crore and above) for new clients as well as existing clients. Engaged in the entire process of inducting new clients into the company fold and handling their proposals.Handling the entire gamut of pre and post sanction activities of these accounts including project evaluation/appraisal, preparation of term sheet, compliance, disbursement, review/renewal and further monitoring of credit accounts.Attending consortium meetings, important credit deliberations and carrying inspection of the units for progress update.The processing of credit proposal involves evaluation of detailed project report followed by analyzing six key components i.e. technical viability, financial viability, economic viability, peer analysis, managerial competence and risk analysis.Analyzing Financial Statements of various corporate as to assess their position and cash flows. It involves decisive analysis of Operating Statement, Balance sheet and Fund/ Cash Flow. Audit reporting, corporate governance and various assurances are also part of the appraising.

I was doing my mandatory Articleship with the firm.