Shree Vidya Muthuraman

• Analyzed financial statements, business models, and cash flow patterns for a diverse portfolio of
corporate and SME clients, providing actionable credit and investment recommendations.
• Prepared detailed financial reports and credit assessments for clients including HDFC Bank, Indian Bank,
and Bank of Baroda, supporting their lending and investment decision-making processes.
• Conducted due diligence on client businesses, reviewing audited accounts, management accounts, and
operational data to evaluate financial health and risk exposure.
• Built and maintained financial models in Excel to project revenue, expenses, and cash flows under
multiple scenarios, enabling clients to plan for varying market conditions.
• Supported the preparation of investment memoranda and credit proposals submitted to financial
institutions, ensuring accuracy, completeness, and compliance with lender requirements.
• Monitored ongoing client portfolios, tracking key financial metrics and flagging early warning signs of
deteriorating performance to relationship managers and senior advisors.
• Collaborated directly with client management teams and bank relationship officers to gather financial
data, clarify assumptions, and align on deal structures.
• Assisted in preparing stress tested forecasts and sensitivity analyses to assess downside scenarios and
support credit risk discussions with banking clients.