Naresh Kumar M Email & Phone Number

Chennai, Tn, In

Chennai, Tamil Nadu, India

Credit Analyst at Bank’s Large Corporate Credit Vertical in Head Office, Chennai. Brief of my job profile is provided below: • Preparation of the credit assessment notes covering analysis of business, industry, management, and financials• Making recommendations to the Committee for approval of a transaction basis credit assessment note• Understanding of businesses and financial modelling with a view to ascertain credit worthiness of an entity• Structuring of deals in consultation with Business teams• Finalization of terms and conditions (including security package, CP, CS, negative covenants, etc) of the proposals in consultation with Business teams• Assign Credit Ratings to Borrowers based on Bank’s Internal Credit Rating Model.• Risk Management of the allocated portfolio and pro-actively monitor red flag or early warning signals in the accounts• Client and factory visits as per requirements to understand the underlying projects• Frequent updation about regulations around various products including relevant RBI guidelines, SEBI regulations as may be relevant for the products.• Preparing thematic presentations and industry decks, such as those highlighting key sector trends, emerging risks or potential turnaround sectors• Prepare presentation and maintain database of portfolio for periodic reviews• Escalate issues identified within account reviews for proper evaluation and vetting• Participate in various initiatives and identify opportunity for risk mitigation strategies within Credit Risk• Lead, develop, and implement strategic initiatives and processes to drive the Bank’s credit culture, appetite, and business performance.• Review and analyze reports to assess and predict risk and monitor performance that require research, evaluation, and selection of alternatives, and exercise independent judgment to guide medium risk deliverables.

Chennai, Tamil Nadu, India

As a Credit Analyst, I managed and oversaw customer advances portfolios, including syndication and trade finance, across international branches in Singapore, Colombo, IBU GIFT City, and Jaffna, with a combined portfolio size exceeding USD 5 billion. My role involved:• Preparing comprehensive credit assessment notes that covered analysis of business, industry, management, and financials.• Making recommendations to the Committee for transaction approvals based on detailed credit assessment.• Conducting financial modelling to ascertain the creditworthiness of entities.• Structuring deals in consultation with Business teams and finalizing terms and conditions (including security packages, CP, CS, negative covenants, etc.).• Assigning credit ratings to borrowers based on the Bank’s Internal Credit Rating Model.• Managing risk for the allocated portfolio, proactively monitoring red flags or early warning signals.• Keeping up-to-date with regulations, including RBI, MAS, CBSL, and IFSCA guidelines.• Preparing presentations and maintaining a database of the portfolio for periodic reviews.• Escalating issues identified during account reviews for proper evaluation and vetting.During my stint, we have achieved a CAGR of ~30% in Customer Advances Portfolio and improved the bottom line by selecting high-margin assets, transforming the balance sheets of overseas branches from losses to profitability without requiring capital support from parent. We have also spearheaded into new markets, expanding syndication funding to countries like Nigeria, Egypt, the Philippines, and the UK, and provided essential guidance on documentation, pre-disbursement formalities, and regulatory compliances.

Mumbai

Worked as Credit Analyst at Large Corporate Branch of Indian Bank in Mumbai with a portfolio size of INR 350 billion. Handled Project Finance segments such as Power Transmission Projects, Oil & Gas Pipeline Projects, Petroleum Refinery & Petrochemical Projects, CRE Projects, Road & Port Projects and LNG Terminals. Expertise in Monitoring Project Cashflows, Project Progress and suggesting Corrective/Mitigation measures. Handled High value Consortium Accounts where Indian Bank is a Leader.

Chennai Area, India

Handled Mid Corporate & Corporate Accounts with a portfolio size of INR 82 billion. Carried out the tasks of Appraisal, Risk Assessment, Due Diligence, Monitoring of High value corporate accounts