Credit Analyst - Banking

- Crafted appraisal notes and finalized terms with sanctioning authorities for timely renewal/ sanction of credit facilities to corporate clients.

- Evaluated company financial performance, future aspirations, and business indicators to present annual financial results, conduct variance analysis (projections vs actuals) as well as perform financial forecasting.

- Understand business models as well as future plans of the Company through continuous engagement with customers, and in-depth analysis of Annual Reports, Earnings Presentation & Transcripts, translating complex financial data into insights and arrive at projections.

- Monitored portfolio accounts through analysis of Quarterly Results, Stock Statements and Annual Stock & Receivable Audit Report.

- Conducted periodic visits to office/ manufacturing facilities and ensured compliance with stipulated Risk Triggers/ Covenants to minimize delinquencies/ NPAs and fraud risks.

- Created sanction notes adhering to bank guidelines, post-inclusion of due diligence on KMPs/ group concerns, financial analysis, facility assessment, account return an as well as security structure and presented the proposals to the relevant sanctioning committees.