Senior Credit Analyst
Forus Company for Crowdfunding on Debt
Total years of experience :8 years, 11 Months
● Analyzing past financial and business performance, comparing with Industry and Benchmark performance, along with the entity P&L, balance sheet, and key ratio
● Performing detailed industry and macro analysis
● Analyzing the financials of the entity with the eligibility for funding with the rating assigned
● Preparation of rating notes capturing brief analysis and presenting the rating recommendations to the Management Committee, Risk Committee, and CEO.
● Preparation of Credit reports to investors with rationale
● Monitoring the portfolio and making rescheduling in case of uncertainty of repayments from the borrowers
● Making policies and procedures for the credit department
● Training new staff about the process and risk assessment
● Regularly reporting to SIMAH about the repayments of the borrowers
● Developing and updating rating models, credit reports, and pre-approval process.
● Adhering to the rules and policies laid down by the SAMA in crowdlending.
● Assess the creditworthiness of DSM (potential/existing) customers based on the financial and operational details and advise credit limits per customer.
● Keep the knowledge updated regarding customers’ creditworthiness through periodical reviewing, taking all available and valuable information into account, like financial reports, visit reports, open sources, and third parties.
● Keep up with financial developments in the assigned countries. Signal consequences concerning credit risk issues in a timely way.
● Reviewing the assessments of the new joiners and training them
● Handling clients above $3 mln
● Evaluating the financial statement of the company and interpretation of the key ratios.
● Handling end-to-end processes in the working capital finance cycle including an appraisal of the business entity under the SME vertical with CIBIL, KYC, and other related checks.
● Overall business and financial risk analysis of the company based on past performance.
● Preparing spreads for the past 3 years and projections for the next 2 years of the company.
● Presenting the credit appraisal note and recommending the proposal to the risk team for sanctioning the bank facilities in consultation with the regional head (business team).
● Responding to risk team queries and interacting with the client the getting the proposal sanctioned.
● Handling pre and part-post-disbursement formalities in terms of documentation coordination and limits disbursements.
● Yearly review cum renewal of the entire portfolio.
● Underwriting corporate loans, by analyzing past financial and business performance, comparing with Industry and Benchmark performance, along with key ratios
● Performing monthly review and annual surveillance of the entire portfolio, if any default.
● Managing the portfolio of PAN India.
● Analyzing the creditworthiness of the entities, based on their past repayment track record along with CIBIL data
● Make credit underwriting recommendations to the Rating Committee & Maintain a high-quality analytics
● Assessing debt repaying capacity and financial risk by analyzing past financial statements along with projections and benchmarking the same against peer performance.
● Preparation of underwriting notes capturing and presenting the proposed funding limits to the rating committee.
● Managing portfolio of over 25 corporates across different sectors in the SME segment. Along with quarterly review and annual surveillance of the entire portfolio.
● Assessing debt repaying capacity and financial risk by analyzing past financial statements along with projections and benchmarking the same against peer performance.
● Providing Grading Ratings to Entities for participating in the Ministry of New and Renewable Energy(MNRE)
● Preparation of rating notes capturing the rationale based on detailed analysis and presenting the rating recommendations to the rating committee.
● Analyzing past financial and business performance, comparing with Industry and Benchmark performance, along with the entity P&L, balance sheet, and key ratio
● Make credit rating recommendations to the Rating Committee & Maintain high-quality analytics
● Adhering to the rules and policies laid down by the Securities and Exchange Board of India (SEBI) and Reserve Bank of India (RBI) in the Rating process and monitoring the rating of the entity.
● Managing portfolio of over 25 corporates across different sectors in the SME segment. Along with quarterly review and annual surveillance of the entire portfolio.
● Assessing debt repaying capacity and financial risk by analyzing past financial statements along with projections and benchmarking the same against peer performance.
● Providing Grading Ratings to Entities for participating in the Ministry of New and Renewable Energy(MNRE)
● Preparation of rating notes capturing the rationale based on detailed analysis and presenting the rating recommendations to the rating committee.
● Analyzing past financial and business performance, comparing with Industry and Benchmark performance, along with the entity P&L, balance sheet, and key ratio
● Make credit rating recommendations to the Rating Committee & Maintain high-quality analytics
● Adhering to the rules and policies laid down by the Securities and Exchange Board of India (SEBI) and Reserve Bank of India (RBI) in the Rating process and monitoring the rating of the entity.
● Handling the Shareholder account for Transfer of assets from one custodian to other.
● Interacting with US counterparts for solving the Shareholder request in order to get the appropriate NAV
● Making Transactions for the Shareholders request for their direct purchase of shares into their Voluntary and FTB&T accounts.
● Doing Financial and Non-Financial transactions of the Shareholders according to the norm of the company
● Advising Client about his/her Portfolio and minimizing risk.
● Analyzing the Risk appetite of Clients to make investments.
● Guiding them in Investing in good Stocks and booking profits.
● Keeping follow-up with the Research team about good Investments.
● Updating the clients about the economic conditions prevailing in the market.
● Making aware of the risk involved in each Security.
● Hedging their Portfolio with Derivative strategies and updating about derivative instruments.
Bachelor with major in Investment and IT
Passed High school in commerce stream