Greeshma Jaganath

1) Analyze business financial statements to evaluate profitability, liquidity, Leverage and repayment capacity, overdraft for the business working capital
2) To be responsible for end- to- end management of memos, ensuring consistency, quality and alignment across the organization
3) Prepare comprehensive credit memos and summarizing borrower profiles, financial performance, risk factors, compliance with regulatory and internal standards
4) Analyses the track of existing loan account, identify early warning signals account management for the excluding NPA.
5) Analyze financial statements and other financial documents for the purpose of covenant monitoring and financial updates to credit
6) Coordinate with Relationship managers, Risk, and Operations teams to facilitate smooth credit memo processing and resolution of queries
7) Understanding specific industry dynamics affecting working capital Develop strong working relationships with the clients enabling to engage them freely to resolve issues
8) Prepare comprehensive credit memos and summarizing borrower profiles, financial performance, risk factors and recommendations
9) Good knowledge of credit policies pertaining to retail products and adherence for the Business.