مانيش Agrawal

Enterprise Risk Management
 IFRS 9 - Impact Assessment, Gap assessment, Methodology development and implementation
 ICAAP & Stress Testing Methodology development and regulatory reporting
 RAROC and High Networth Individual Credit Rating Methodology development
 Automation of Corporate credit workflow

Credit Risk
 Risk Review of Large Corporate and Investment proposals
 Highlighting risks and its mitigants for the credit proposal with recommendation
 Overall Portfolio Monitoring and suggesting for risk rating enhancement

Involved in Credit risk assessment for banks and financial institutions.
Reviewed corporate credit policy and Internal Control.
Analysed loan portfolio of largest islamic bank in GCC
Helped investor in industry research to take a call on investment in companies.
Analyzed Market risk of investment companies in Kuwait.
Reviewed Internal Control of various leading banks in GCC.
Worked with regulators for developing inspection strategy and manual of Capital Market Participants.
Prepared Risk assessment model for Capital Market Participants and Credit Rating Agency.
Involved in advisory and consultancy services for the banks, financial institutions and regulators.

Raiseddebt and equity capital for the company through various capital market products.
Analyzed credit& operation risks impacting the company, presented the same to the management on monthly basis.
Proactively assisted management in taking various steps to mitigate the identified risks.
Analyzed overall loan portfolio of the company and loss projection.
Analyzed company's stock prices vis a vis competitors.
Analyzed variance for actual vs planned financial numbers.
Tracked and analyzed regulatory development and updated the same to the management.
Calculated and analyzed losses through Static Pool Analysis and projected losses thereafter.
Analysis of company's stock prices vis a vis competitors,
Analysis of overall loan portfolio of the company and loss projection

Led & guided a team of credit analysts. Handled a portfolio of 30 large and medium corporate clients.
Independently involved in writing credit reports, analyzed the credit worthiness of large corporate clients, assigned credit rating & presented for approval to external rating committee from real estate, financial institutions, manufacturing, food processing, telecom and structured finance.
In-depth analyzed Balance Sheet, Income Statement, Cash flow Statement and Financial Ratios. Identified and analyzed risk factors involved in industry/company.
In-depth analyzed and prepared financial projections/ cash flow models / forecasts.
Developed and updated of rating criteria for corporate and structured products.
Rated structured products (Securitization), Developed Complete Methodology for the Rating of ABS/MBS, Microfinance and NPAs.
Rated largest structured finance transaction in Asia (Ex-Japan).
Recovery Rating and valuation of the distressed assets (NPA assets).

• Responsible for financial modeling, company & sector due diligence, preparation of credit committee notes & assisted in legal documentation and post transaction portfolio management.
Handled various credit operations including appraising proposals, conducted risk analysis & scrutinized relevant documents before sanctioning loans.
Analysed Financial Statement for deciding upon funding limit and bank statements for verifying banking behaviour.
Structured buyout transactions of retail portfolio from various NBFCs and other Banks.
Ensured timely payouts of the assignor and providing monthly monitoring reports to the management.