Sowmya Narayanan S

Spearheaded end to end credit appraisal and drafted credit assessment memos for Existing to bank (ETB) and New to bank (NTB) accounts within defined TAT Responsible for evaluating and appraising corporate credit proposals for enterprises with an annual turnover of Rs. 100 Cr to Rs. 500 Cr Evaluate borrower credit profiles by performing detailed financial analysis, cash flow analysis, sensitivity testing, working capital gap analysis, peer-group benchmarking and GST karza report analysis.

Manager – Credit Analyst at Axis Bank Limited (2025-04 – Present)

• Spearheaded end to end credit appraisal and drafted credit assessment memos for Existing to bank (ETB) and New to bank (NTB) accounts within defined TAT
• Responsible for evaluating and appraising corporate credit proposals for enterprises with an annual turnover of Rs. 100 Cr to Rs. 500 Cr
• Evaluate borrower credit profiles by performing detailed financial analysis, cash flow analysis, sensitivity testing, working capital gap analysis, peer-group benchmarking and GST karza report analysis.
• Responsible for submitting risk notes for new proposals, stale rating cases, account reviews and renewals
• Interact directly with corporate customers to understand their business operations, revenue streams, and specific credit facility requirements.
• Prepare future financial projections in CMA formats by analyzing historical financial statements, client inputs, and industry research.
• Conduct credit hygiene checks on borrowers, group entities, promoters using credit bureau (CIBIL, CRILC), Accumn, BQS, RCU report, and performing bank statement analysis in Perfios platform
• Tracking of portfolio in terms of EWS quality, adherence to Bank's policy and guidelines, addressing internal audit queries.

Deputy Manager – Credit Analyst at Axis Bank Limited (2023-09 – 2025-03)

• Spearheaded end to end credit appraisal and drafted credit assessment memos for Existing to bank (ETB) and New to bank (NTB) accounts within defined TAT
• Responsible for evaluating and appraising corporate credit proposals for enterprises with an annual turnover of Rs. 100 Cr to Rs. 500 Cr
• Evaluate borrower credit profiles by performing detailed financial analysis, cash flow analysis, sensitivity testing, working capital gap analysis, peer-group benchmarking and GST karza report analysis.
• Responsible for submitting risk notes for new proposals, stale rating cases, account reviews and renewals
• Interact directly with corporate customers to understand their business operations, revenue streams, and specific credit facility requirements.
• Prepare future financial projections in CMA formats by analyzing historical financial statements, client inputs, and industry research.
• Conduct credit hygiene checks on borrowers, group entities, promoters using credit bureau (CIBIL, CRILC), Accumn, BQS, RCU report, and performing bank statement analysis in Perfios platform
• Tracking of portfolio in terms of EWS quality, adherence to Bank's policy and guidelines, addressing internal audit queries.

Analyst at CARE Ratings Limited

• Initiate structured information requests and engineer comprehensive quarterly review notes to evaluate ongoing operational performance
• Responsible for preparing rating notes, undertaking site visits, management meetings and presentations before rating committees.
• Collaborate with corporate clients to aggregate required operational data, subsequently authoring detailed rating rationales and public press releases.
• Performing rigorous analytical work, research, fundamental credit analysis, financial statement analysis, forecasting and writing reports on rated corporate entities.
• Continuous tracking of companies and industries in the portfolio, reviewing audited financial results for deviation.
• Keeping track of changes in economy, changes in various sectors and analyzing the impact of the same on clients.

Summer Intern at Sethuraman & Srivatsan Chartered Accountants

• Have recorded accounting entries in tally from bill books, invoices.
• Proficient in Tally ERP, Winman and Cleartax softwares.
• Have done GST reconciliation, filing of GSTR forms, calculating GST input and output tax by importing data from tally.
• Have done TDS reconciliation, bank statement reconciliation, e filing of income tax returns, and bank audit.

Accounts Intern at Nutnbolt Business Solution

• Helping with account receivable, bank reconciliation statement, and issuing invoices, payment receipts to customers
• Recording accounting entries in tally and assisting Chartered Accountant in the preparation of company's financial statements.
• Responsible for TDS deduction on salaries, quarterly filing and issue of form 16 and form 16A to the concerned persons.
• Responsible for guiding the founder of the company to comply with other statutory compliances like ESI, PF.

PGDM – Management Development Institute, Murshidabad (2022)

M. Com in General – Bharathidasan University (2020)

B. Com in General – National College (2018)

XII in State Board – E.R Higher Secondary School (2014)

X in State Board – Arockia Matha Matriculation Higher Secondary School (2012)