plastemartjobs.com Email: jobs@plastemart.com, hr@plastemart.com Download Date: 3/14/2025 11:17:51 AM ________________________________________________________________________________________ RefNo: CA - 28382 Gender: Male Age: 42 Designation: Consultant Highest Education Level: Masters - Degree Notice Period: 30 Days Education Details: MBA Finance, From RIT Management Studies, in 2008, Bachelor of Commerce From Mumbai University in 2006. 12th From Mumbai University in 2002. 10th From Maharashtra Board in 1999. Skill Sets: Experience in Credit Risk Analysis, Operational Risk Analysis and Credit Risk assessment.?Experience in credit underwriting. Good knowledge in financial statement analysis and forecasting of various sector companies. Experience in Budgeting and Variance Analysis. Ability to manage Team effectively. Knowledge of SQL. Work Experience: 14.4 Work Experience Details: Consultant Since Feb 2018 Job Profile: Discussion with the clients, collecting and checking various documents and Financial Reports for credit process. Evaluating clients? credit data and financial statements in order to determine the degree of risk involved in lending money to them. Working on PD, EAD and LGD model Work with Relationship Managers and Credit Policy Officers to assess credit opportunities, identify key risks. Performing credit decisions on various products of Secured and Unsecured borrowings. Conducting timely covenant compliance review and analysis to include managing, approvals, waivers and default letters. Interaction with sales, operations, meetings with the client, discussion with banker. Develop, nurture, and maintain relationships with clients. Capability of working in a fast-paced environment, under pressure and meet time-sensitive deadlines, all while maintaining a high level of professionalism. Owning project deliverables for new clients: End to end ownership from requirements gathering, finalize implementation approach and release Enhancements to existing products. Identification of areas of improvement and implementation. Internal sign off on project deliveries (inclusive of documentation, project plans, applications etc.) Assist superior in client demos. Senior Rating Executive Jan 2016 to Feb 2018. Job Profile : Analysis of client?s business with the perspective of credit risk assessment. Analyzing & reviewing financial statement and Key Ratios. Analyzing and reviewing company?s CMA data. In-depth credit analysis (qualitative and quantitative): Understanding the business profile of companies/firms. Analysis of Term loans, working capital loans, Bank Guarantees, etc. Analysis of bank statement, securities against borrowings (coverage) and analyze background of guarantor. Analysis of various factors such as business risk, industry risk and management evaluation. Analyzing and preparing the Business and Credit Risk Model of the company. Prepare score cards on performance basis. It helps to determine accurate rating of that organization. Interaction with sales, operations, meetings with the client, discussion with banker and auditor for due diligence and keep watch on client?s portfolio. Develop and maintain healthy relationships with clients. Executive Jan 2009 to Jan 2016. Company Name : Crisil Ltd Job Profile : Determine the financial risk associated with different manufacturing and service industries Company based on Historical and projected financial information. Prepare Common-size financial statement and Comparative financial statement. Evaluate the ratios, conduct peer comparison and trend analysis. Provide expertise and solve queries regarding financial adjustments and ratios calculation for various parameters. Support client needs in a timely and efficient manner and commitment to quality and excellent client service. Assist in the development of internal procedures for the processing and management of planning and budgetary data Assists department management in developing, monitoring, and reporting on departmental level initiatives, goals, and objectives Coordinate internal resources and third parties/vendors for the flawless execution of projects Ensure resource availability and allocation, Develop a detailed project plan to track progress Use appropriate verification techniques to manage changes in project scope, schedule and costs Report and escalate to management as needed Perform risk management to minimize project risks Research (Analysis of various State Electricity Board) (Team of 5) A brief study, analysis and preparation of reports of different categories of electricity users like Industrial, Domestic, Railway Traction, Farming and Street lights. Total sales of electricity units and revenue earn from them. The study of different sources such as Government sector (Central and State electricity power department) and Private sector. Analysis of increase in demand of electricity units in the future and making the availability of units from different sources to meet the demand. Total transmission loss and distribution loss while collecting and supplying of electricity to different parts of the state. Achievement: ACE Award winner for Process Enhancement in CRISIL LTD. Certifications: Capital Market (Dealer) Module from NCFM Securities Market (Basic) Module from NCFM Certification from iACT GLOBAL with 68% in 2015. IFRS Future Goals: Seeking a challenging and rewarding opportunity in the field of finance and accounts in an organization where I can utilize my knowledge, ability and experience towards its growth. ________________________________________________________________________________________