Relationship Manager/Credit Analyst – SME at Axis Bank (2009-06 – 2012-12)
Handling a portfolio of SME clients with aggregate exposure in excess of Rs 70 Crores.
- Ratio analysis, industry analysis, past performance analysis, CMA details, rating etc.
- Rating the borrowers on key parameters according to the proprietary rating module on financials, management, and business parameters
- Analyzing credit requests, structuring and recommending for sanction or rejection of credit requests
- Conducting brief industrial analysis of borrowers to make inferences and draw conclusions based on the latest trends
- Background verification, industry analysis in support of credit decision recommended
- Addressing the Non-credit requests of the clients, recommending for sanctioning authority's approval
- Continuous monitoring of operations in the credit facilities, re assessing, re-rating the credit facilities based on requirement, market conditions
- Interacting with the clients on regular basis to keep updated about the business conditions
- Identification of signs of stress in credit relationships
- Proposing mitigations to maintain asset quality
Scale II Manager at Pragathi Gramin Bank (Regional Rural Bank) (2012-02 – 2013-08)
Credit Analysis and Appraisal role involving detailed study of financials and non-financial indicators.
- Balance Sheet study, Ratio and trend analysis: Involves detailed study of the financials of the company
- Study of Non-Financial indicators like general economic environment, government regulations, due diligence on the promoters, business model and sustainability
- Clarifying queries raised by Risk department: Replying to the queries from Risk which typically cover areas like Financial Parameters, Security Cover, Business Parameters etc
Manager (Promoted to SR Manager in 2017) at UCO Bank (Nationalized Bank) (2013-09 – Present)
Comprehensive credit appraisal and proposal management responsibilities in nationalized banking sector.
- Balance Sheet study, Ratio and trend analysis: Involves detailed study of the financials of the company
- Study of financials with the help of CMA, funds flow, cash flow and various ratios
- Study of Non-Financial indicators like general economic environment, government regulations, due diligence on the promoters, business model and sustainability
- Putting up proposal within the prescribed TAT: To put up proposal as per the format covering diverse areas in detail like Background of the company, Management profile, Industry Analysis, Business Model and Product Profile, Key Financial Indicators, Value of the account
- Clarifying queries raised by Risk department: Replying to the queries from Risk which typically cover areas like Financial Parameters, Sectoral Outlook, Management Parameters, Security Cover, Business Parameters
- Clarifications to Sanctioning Authorities: Replying to queries and apprising the sanctioning authorities of the merits of the case and obtaining sanction
- Issuing of the sanction letter containing the general as well as specific sanction terms and conditions
