Chintan Soni

Corporate Banking - Large Corporate)
•Preparation of Credit Appraisal notes for Large Corporates/MNCs
•Discuss with business on Terms and Conditions for risk assessments
•Discuss with customers for getting information for preparation of CRANs
•Monitor the accounts based on the terms stipulated by Sanctioning Authority
•Prepare Monthly Monitoring Reports for the portfolio
•Escalate with action plan for non compliances
•Visit the units and submit inspection reports
•Manage and address any escalations related to risk assessments

SME and Mid Corporate)
•To assess Credit Risk associated with the corporate clients and ensuring high quality of the Portfolio via effective role in preparing, proposing and monitoring (post approval) activities of Credit Appraisal Process
•To prepare independent Credit Appraisal Notes of corporate clients using both quantitative and qualitative factors with focus on overall economy, business, financial, industry, cash flow analysis, due diligence and assign internal rating and credit facilities
•Interacting with promoters, senior management, other bankers and carry out site visit on periodic basis for continuous monitoring of emerging developments in the assigned portfolio
•Keeping track of relevant company specific updates and changes in regulatory environment to ascertain their individual and collective impact on credit profile of the borrowers
•Ensure timely renewal of cases and liaise with clients, internal business, risk and legal team for getting it cleared smoothly
•Closely work with business team from the origination and play a vital role by adding good value from a credit and policy perspective
•Work as a team with the business on a specified portfolio and facilitate growth in Asset Book and Revenue in the portfolio while complying sanctioned conditions
•Get involved in transactions requests from client
•Post deal compliance with legal team, setting up of facilities in the system and ongoing monitoring of client’s covenant and conditions as per stipulated terms of sanction

Corporate Credit Rating-SME)
•Analysis of various fund based and non fund based bank facilities (such as term loan, working capital loans, bank guarantee and letter of credit) availed by corporate clients
•Deploying suitable analytical techniques for identification of credit risk at Business, Management, Industry, Financial & Project level for judging & forecasting the performance of the business entity
•Analysis of various financial statements such as Balance Sheet, Profit and Loss A/c, Fund Flow Statement, Cash Flow Statement and Notes to Accounts, prepare CMA data and consequent risk assessment reports
•Identify present and probable risk factors, analyzing their effect on debt servicing ability of the entity & finally propose rating to committee members
•Undertaking regular due diligence exercise primarily towards debt servicing, market enquiry, industry study, economic viability of business activity and independent enquiry on promoter’s integrity
•Undertake site visit & management discussions
•Leading a team of Analysts, training and guiding them for executing credit rating assignments within specified timelines

Responsible for accurate, complete & timely collection of relevant data published in SNL products for the information tracked by the capital market department
•Responsible for capturing comprehensive information & day-to-day maintenance of the same tracked by the capital market department
•To review feedback involving content to help correct errors & establish or refine procedures & processes to improve accuracy

Preparation of Investment Research Reports on various Companies & Industries from the ‘Middle East & North African Region’
•Undertake Financial Statement Analysis & present the same in the form of an analytical report
•To prepare comprehensive write-up for various contents of Feasibility Studies, Market Study & Business Plan
•To perform quality check of the projects & communicating regularly with clients giving them timely updates on their projects, receiving feedbacks & deliver after making required changes


Other Participation

Cygnus Business Consulting & Research, Hyderabad, India Financial Analyst Training Program
Association of Credit Rating Agencies in Asia (ACRAA), Mumbai, India Credit Risk Assessment & Funding Alternatives of MSME