o Provide sound, independent credit advice, recommendations and quality feedback on credit proposals to the approving authority. o Monitor and manage local credit portfolio and other risks on a proactive basis on individual credits as well as macro economic indicators.o Developed monitoring model based on account conduct, financial and operational performance of the company, keeping in mind the industry & economic outlook and regulatory requirement.o Assist the country risk head in managing the portfolio.o Handled various audits, namely Risk Review, Group Audit, Statutory and Regulatory.

o Create credit proposal by evaluating credit worthiness of the applicants.o Performed credit evaluations companies of numerous sectors including textile, engineering, iron and steel, power, conventional sector, infrastructure and real estateo Consulted clients on credit facility structure based on their business model and potential requirementso Identified and monitored the weak accounts and consulted them for credit restructuringo Reduced turn-around-time by 25% by automating parts of the financial analysis and proposal creationo Took initiative to upgrade and circulate the new credit rating model based on Basel II norms and revised policies to expedite the credit rating process

Analysis and Valuation of companies.