Part of Commercial Lending team performing Quarterly and Annual Loan Reviews of a U.S. Bank’s Structured Finance borrowers, Business and Financial due diligence, Covenant analysis, peer comparison, Enterprise Valuation using multiples, Recommending and assigning Internal Risk Ratings.

• Proficient in analysing financial statements, regulatory reports to adjust reportedannual and interim financial data in accordance with Moody’s rating methodologies• Provided critical inputs to core rating team on credit analysis by performing quantitativeanalysis, assessing the entity’s liquidity, funding, profitability, capital adequacy tosupport ratings, research and analytical outreach• Performed Loss Given Failure (LGF) analysis for global banking entities (akin to… Show more • Proficient in analysing financial statements, regulatory reports to adjust reportedannual and interim financial data in accordance with Moody’s rating methodologies• Provided critical inputs to core rating team on credit analysis by performing quantitativeanalysis, assessing the entity’s liquidity, funding, profitability, capital adequacy tosupport ratings, research and analytical outreach• Performed Loss Given Failure (LGF) analysis for global banking entities (akin to LGD forcorporates) as a credit risk metrics to evaluate how the bank’s liabilities would beresolved in case of failure• Coordinated technology projects for implementation of process improvements andidentify accounting changes leading to methodology updates• Mentored junior members of the team for process efficiency, ensure high deliverables’accuracy, lead trainings, manage workload allocation, create documentation andinvolved in hiring process Show less

Prepared comprehensive and time-critical credit rating reports to analyze business strategy, governance, operational risk, macroeconomic trends, industry dynamics, competitive environment, in-depth financial statement and ratio analysis (P&L, BS, Cash flow), credit lines with banks, governance to facilitate assigning of credit ratings by onsite team.

• Independently led the Mumbai SME team to execute multiple credit ratingassignments for mid and small corporates across sectors.• Successfully facilitated assigning ratings of > 200 companies under NSIC ICRAPerformance and Credit Rating Scheme and ICRA SME Ratings.• Performed in-depth financial statement and ratio analysis, business risk assessmentand related industry research.• Delivered quality-checked reports for presentation in Rating Committees.•… Show more • Independently led the Mumbai SME team to execute multiple credit ratingassignments for mid and small corporates across sectors.• Successfully facilitated assigning ratings of > 200 companies under NSIC ICRAPerformance and Credit Rating Scheme and ICRA SME Ratings.• Performed in-depth financial statement and ratio analysis, business risk assessmentand related industry research.• Delivered quality-checked reports for presentation in Rating Committees.• Relationship building with clients' top management, bankers & auditors and internal stakeholders.• Conducted training and mentored new team members to promote productivity. Show less

• Researched and executed Corporate debt (BLR) Credit Ratings for SME clients• Managed quality of rating reports, credit perspectives for press release.• Managed team of six junior analysts, organized workflow and conducted training for new recruits

• Executed Bank Loan Credit Ratings across sectors for Corporate-SMEs.• Analyzed business risk, annual reports, financial ratios, sector performance, peer comparison and assessed working capital needs• Monitored banking discipline of existing clients.

• Developed reports on fundamental analysis of LSE-listed Large Cap companies• Analysed information for peer comparison, qualitative due diligence and assigned internal risk rating.

• Monitored cash flows, P&L, swap resets on Total Return Equity Swaps forportfolio accounting for Pan European Equity Derivatives trading desk in London• Handled Management reporting for Private equity, Real estate deals• Drove operational improvements by liaising with Tech teams to automateprocesses.

Analysed alternatives for hedging foreign exchange currency risk for Indian Large Corporates using customized Derivatives like Options & Swaps treasury products