If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

00324381

PROFILE:

A dynamic Finance professional with a strong combination of interpersonal, analytical and decision-making skills and focused on risk & credit analysis

Strong experience in Credit appraisal, Credit Risk, Credit Rating, Business and Financial Analysis of manufacturing companies and financial institutions

Adept in undertaking risk assessment of various companies in different sectors.

Possess an inquisitive & analytical mind, excellent organizational skills and a proven ability to interact with a diverse range of people in a professional manner.

Focused and hard working with well-honed management skills and proven ability to motivate professionals to maximize levels of productivity and emphasize on building strong client relationship.

Core Competencies:

Credit Analysis | Credit Risk | Credit Rating | Risk Analysis | Relationship Management

CAREER HISTORY:

January 2023 – Present

Banking

Credit Portfolio Manager (AVP)

• Conduct quantitative and qualitative credit risk analysis including identification of business, financial and management risks to assess the creditworthiness of counterparties
• Evaluate the credit memo and provide summary of the transaction by way of highlighting the key risks, ensure consistency with the policies and making recommendations on risk appetite
• Participate in initial, annual review and target market exceptions approval
• Review and challenge internal credit ratings of the clients
• Manage risk levels for the entire credit spectrum by way of escalating the areas of potential risks to senior management
• Monitor country, geopolitical, sector trends and macro-economic developments and assess the impact on portfolio
• Conduct regular portfolio reviews, analysis of key portfolio trends and associated risk metrics by way of coordinating with different stakeholders

June 2022 - December 2022

Banking

Corporate Analyst

• Credit risk underwriter for large corporate portfolio of UK clients.
• Credit appraisal of counterparties including assessment of operating performance and financial position through fundamental and ratio analysis
• Analysing business model of each counterpart including the industry and peer analysis. Perform projections (in case of committed /Term transaction) and provide analysis in both base case and stressed case scenario
• Provide succinct and accurate summary of every credit request (i.e., new credit line, review and amendments of existing credit lines) and key T&Cs, including analysis of security and transaction structure.
• Manage internal ratings process of clients based out of London and raising rating requests
• Communicating and interacting effectively with all the stakeholders including Relationship Manager(s), Legal and credit administration department.

November 2016-May 2022

Banking

Deputy Vice President

• Credit appraisal of proposals for Large Corporate Group. It includes business, financial and industry analysis of the companies, forecasting of cashflows and regulatory due diligence
• On-boarding and structuring of the large corporate deals
• Managed portfolio of large corporate clients in sectors like Auto OEMs, Auto Components, Textiles, Logistics, Power and Sugar
• Managed portfolio of largest Two-wheeler OEM in India and Multi-National Companies OEMs
• Dynamic monitoring of market risk indicators of the portfolio including watch on the industry and counterparties and ensure reduction in limits for the vulnerable customers
• Develop and monitor early warning indicators for large corporate borrowers
• Identify critical accounts based on the early warning indicators and formulation of exit strategy for the stressed account
• Timely and effective compliance on various frameworks instituted to monitor the health of the portfolio
• Mentoring new recruits and ensure smooth transition into the bank and help them in managing respective portfolio
• Interaction with senior management for completion of the proposal

November 2010 till October 2016

Credit rating agency

Manager

• Handled a portfolio of Large Corporate clients in diverse sectors like textiles, infrastructure (power& roads), construction, automobile dealership, tyre, Non-Banking Finance Companies (NBFCs), Commercial& Real estate and Micro finance Institutions
• Handled rating assignment for project finance transaction in sectors like Road(Public Private Partnership Model) and Thermal power projects.
• Evaluate the credit risk of companies and assign credit ratings
• Conduct qualitative analysis including identification of industry, business and management risk
• Conduct quantitative analysis including analysis of financial statements, forecasting of cash flows and peer analysis
• Preparing rating reports & conducting presentation to CARE’s rating committee with rating recommendations
• Periodical monitoring of the ratings and ensure timely rating actions
• Establishing relationship with top management of companies and conducting field visit to the manufacturing location
• Interacting with bankers and auditors of the companies

October 2009 till November 2010

Credit Rating Agency

Analyst

• Analysing financial statements and carrying out ratio analysis for assessing the credit worthiness of the corporate. Projecting the financial standing of the company on the basis of analysis of Balance Sheet, Profit & Loss Account and cash flow statements
• Preparing rating reports, rationale for assigned ratings and dissemination of ratings. Preparing & conducting
• presentation to ICRA’s rating committee and recommending ratings
• Conducting research on the industry in which the company is operating and keeping a track on the performance of the industry as a whole.
• Responsible for carrying out SWOT analysis and Peer group analysis for companies
• Interacting with top management of companies and visiting sites of the manufacturing unit for understanding the nature of their business, the operations & risk factors associated with them.
• Interacting with bankers and auditors of the companies to follow up on the financial status of the companies.

July 2005- July 2006

Construction Company

Graduate Engineer Trainee

• Successfully handled the entire gamut of site management activities- manpower planning, machinery handling, materials planning and maintenance of schedules

ACHIEVEMENTS:

• Recognized with Best Rating Report award from CARE’s rating committee.
• Recipient of Gold Star Award from HDFC Bank
• Recipient of Citi’s Gold award from MD

PUBLICATIONS:

• Published an article ‘Gold loan NBFCs: Better placed to handle gold price risk’ in November 2015

EDUCATION:

Master of Business Administration

Institute of Management

Bachelor of Technology

Institute of Technology

References Available Upon Request

If you are interested in this candidate, please contact Simon Blau via email sblau@cerfinancial.co.uk or call on 0207 626 6065.

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