Ram Rakesh Email & Phone Number

Credit Risk Analyst for Mid corporate clients and wholesale banking

Noida

Credit underwriting, risk assessment and financial analysis for large corporates.• Appraisal of credit proposals for working capital facilities and Techno economic viability of project finance for corporate borrowers.• Analysis of financial statements and study of financial covenants trends.• Effective monitoring of credit as per guidelines, loan review mechanism and conduct of stock audit and credit audit. • Identifying areas of concerns or risk associated with the… Show more Credit underwriting, risk assessment and financial analysis for large corporates.• Appraisal of credit proposals for working capital facilities and Techno economic viability of project finance for corporate borrowers.• Analysis of financial statements and study of financial covenants trends.• Effective monitoring of credit as per guidelines, loan review mechanism and conduct of stock audit and credit audit. • Identifying areas of concerns or risk associated with the borrowers of the bank and develop strategies for credit risk mitigation.• Assessment of credit facilities for fund based working capital limits and non fund based limits to different industrial clients.• Assessment of credit to MSME, NBFC & large corporate borrowers based on analysis of financial performance in the past.• Attending Consortium meetings of Banks and sharing of information under Multiple Banking. Show less

Power plant commissioning & operations as well as budget handling.

Shahjahanpur Area, India

• Lead a team of 10 and manage the plant operations at rated pressure and temperature for enhanced efficiency • Recognized as the Best Engineer at Rosa Power Supply Company Limited in 2011- 2012• Created tender documents, approval notes for maintenance along with billing to consultants as per contract terms and conditions• Participated as member of the team for implementation of Integrated Management Systems which led to improved efficiency due to standardization and procedural… Show more • Lead a team of 10 and manage the plant operations at rated pressure and temperature for enhanced efficiency • Recognized as the Best Engineer at Rosa Power Supply Company Limited in 2011- 2012• Created tender documents, approval notes for maintenance along with billing to consultants as per contract terms and conditions• Participated as member of the team for implementation of Integrated Management Systems which led to improved efficiency due to standardization and procedural methods • Led a team of 50 at Rosa for commissioning of 2x300 MW (Unit 3 and 4) thermal power plant worth INR 3200Cr, including 400KV switchyard, 6.6KV HT & 415V LT switchgears• Liaised with Central Procurement Group of Reliance Power for material supplies at Rosa site• Devised budgets for projects and analysed cost incurred against budgeted pricing leading to cost cutting measures• Created master budget plans for 2012 - 2013 related to Rosa Power• Customized breakeven frequency that led to earning of unscheduled intercharge which led to a saving of coal; adopted the process to run plants at lower loads• Devised department wise preparation of budget that initiated various cost cutting measures that increased revenues Show less

B.E.

Education record

Master'S Degree