plastemartjobs.com Email: jobs@plastemart.com, hr@plastemart.com Download Date: 3/10/2025 4:53:54 AM ________________________________________________________________________________________ RefNo: CA - 28482 Gender: Female Age: 38 Designation: Credit Analyst ? SME Highest Education Level: Masters - Degree Education Details: CA final, ICAI, ICAI, 2011, Skill Sets: Working knowledge of MS-Word, MS-Excel, MS-PowerPoint Working knowledge of Finacle System and Marvel Software Work Experience: 13.4 Work Experience Details: Credit Analyst ? SME Since Feb 2018 Company Profile: Is an Indian private sector bank with its headquarters at Thrissur, Kerala, India. It is one of the oldest banks in India. Job Profile: Position carries credit appraisal & recommendation of credit proposals for sanction by the competent authority as per the credit policy of the bank. Conducting lectures on credit portfolio, Analysis of Balance sheets, ratio analysis etc. in CSB Learning institute. Credit Assessment for Term Loans, Cash Credit(H), Bank Guarantee and other working capital limits including business loans. Project Finance Lending under Consortium and Multiple banking and sole banking arrangements. Conducting Pre sanction and Post sanction project site inspections. Field Visit & personal discussion with clients to understand nature of employment/business, cash flows, routine expenses, existing loan obligations & purpose of loan, KYC, compliance with financials & other documents checklist. Conducting internal risk rating of Clients in CRISIL software under different models Perusal of CIBIL score/reports, CRIF reports & external risk ratings of the Borrowers. Verification & Scrutiny of Due-diligence report, Valuation reports, Legal Scrutiny reports, Net worth statements, CERSAI reports etc. Verifying of CMA data & assessing of financial ratios, financial statements and projected financials of the Corporate and projects. Assessing credit worthiness & eligibility of potential clients Preparation of credit appraisal note and submit recommendations to sanctioning Authorities based on delegated powers Coordinate with sanctioning authorities and borrowers for approval of loan proposals. Preparation of the Sanction memorandum/communication letter. Post Sanction: Coordinate with Relationship Managers for compliance of stipulated terms and conditions. Permitting disbursal of loan accounts after compliance of pre-disbursement terms & condition. Ensure compliance of post disbursement conditions. Coordinate with borrowers for fulfilling the same. Follow up with Stock Auditors, Credit Auditors and Concurrent Auditors of Branches for borrowal accounts for smooth conduct of stock/Credit/Concurrent audit. Preparation and examination of Monthly operational Statements, Qualitative review Statements related to Borrowal accounts and submission of various statements to Competent Authorities. Credit monitoring for Special Mention Accounts (SMA) on regular basis. Interphase between Head Office, branches and external clients for credit flow. Senior Manager-Credit: Nov 2011 to Jan 2018 Auditor : May 2011 to Nov 2011 Company Profile: It was one of the nationalised banks in India. The bank offered a wide range of financial products and services to customers through its various delivery channels. Job Profile: Credit evaluation for retail advances such as Housing loans, Mortgage loans - Loan against property, Personal loans, Vehicle loans and for wholesale banking borrowers for various working capital limits such as term Loans, Cash Credit, Bank Guarantees. Preparation of credit proposals of retail advances and corporate clients as per the policy of the Bank. Delivering lectures in Staff training college on Credit Analysis, Balance sheet analysis etc. Discussion regarding strengths and weaknesses of the loan proposals in committee meetings based on sanctioning authorities. Preparation of sanction communications and permit disbursement of loan limits to Branches. Examination of stipulated covenants post loan disbursement during loan review audit & conducting surprise visits to Branches. Preparation and examination of Control returns for verifying and allocating health codes to the loan accounts. Extensive experience of working with Senior Management teams and clients in ensuring quality credit appraisals Compliances /Rectification of the observations made by the Competent authority during sanctioning of the credit proposals Auditor May 2011 to Nov 2011 Job Profile: Defining Scope of Internal audit, preparation of audit plan for internal audit Analyzing the scoped areas and internal controls associated in the process, identifying the root cause of observation and suggesting the mitigating control to the management Verify accuracy of records and compliance with standards, policies and procedures ________________________________________________________________________________________