Financial Analyst
PKS GLOBAL FZC
مجموع سنوات الخبرة :10 years, 10 أشهر
Preparing of financial forecast, project reports and projected financials (CMA) for Business loan including Term loan, working capital loan, Letter of Credit, Bank Guarantee.
Knowledge of VAT as per UAE Law
Reporting on financial performance and preparation for regular leadership reviews
Analyze past results, perform variance analysis; identify trends, and make recommendations for improvements
Preparing financial reports that depict the organization’s financial position, such as trial balance, Profit and loss account, account receivable/payable listing.
Executing accounting for all areas such as booking invoices, expense, salaries, banks, and fixed assets accounts receivable/payable, account reconciliation Debtor Ageing, Creditor Ageing, Credit terms, Cash Position, Customer Profitability, coordinating with external Auditor.
Country research to identify Business opportunities
Create frequent reviews and reports with figures and financial data.
Identify product for company's product range extension.
Research on market existing player business detail, brand comparison, potential & market share.
Identify vendor and buyer and negotiation
Credit rating of large corporate from diversified industry/ sector including:
Discussion with management of companies to understand strategy and business model.
Follow-up & coordination with the clients for providing required information to carry out the rating assignments.
Due diligence for utilisation of the working capital, term loan, LC, BG limit availed by the client.
Analysing past performance of companies by benchmarking against peers’ performance and analysing the industry and projecting future performance of the companies.
Financial Statement Analysing/Business Analysing/and overall performance of the company including its profitability, solvency, liquidity ratio.
Accurately following the changes in external environment affecting the respective industries and periodically analysing the impact of the same on the performance of the companies.
Timely Preparation of Rating notes & sending it to QCT in consultation with the group head.
Representing the case and making credit rating recommendations to rating committee
Conducting detailed analysis on policies governing industry.
Special Assignment allotted during the period
Preparation of rating report for state power distributing companies which are under the surveillance of Power Finance Corporation Ltd on yearly and quarterly basis.
Preparation of quarterly report for state discom companies under the UDAY scheme.
Management discussion with client regarding the assignment on independent basis.
Preparing project reports and projected financials (CMA) for Business loan including Term loan, working capital loan, Letter of Credit, Bank Guarantee, Credit exposure Limit of Greenfield/expansion projects in manufacturing sector, trading sector and also in real estate sector for LME, MSME, SME enterprises.
Evaluating the need for the financing and arranging the credit facilities in terms of TR, LC, Cheque discounting (LCD), Invoice discounting (factoring) from various banks and non - banking financial institutions.
Coordinating with Banks and Financial Institutions for Export receivables and Foreign Currency loan.
Cash flow/Fund flow/Ratio analysis/MIS/ Quarterly Stock statement to be submitted to bank
Budgeting/Forecasting their future business plan and prepare report on them
Coordinating with Banks and Financial Institutions for review/renewal of existing limits.
Co-ordinating with bankers handling queries raised by them regarding financial and operational prescriptive.
Executing monthly compliance on behalf of client including monthly submission of stock statement, monthly/quarterly information system (MIS/QIS) for current sanctioned loans.
Liasoning with various rating agencies for rating of the corporates.
Liasoning with various advocates for valuation and title clearance of mortgage property.
Dealing with new and prospective banks for building relationship
Entire loan sanctioned operation activities
Also Handled Non Performing Assets (NPA) restructuring cases which includes:
Preparation of One Time Settlement (OTS) Proposal
Preparation of Restructuring Scheme for Repayment of Dues
Prepared full Report of Scheme under section 391 of companies Act1956, Compromise and arrangement scheme.
Along With CA study I am having experience of 4+ years job experience
College-RJ TIBREWALL COLLEGE