India
Corporate banking professional with 8+ years of experience in credit underwriting, portfolio management, and client relationship support across diversified corporate sectors. I have worked extensively on credit appraisals, financial analysis, risk assessment, and monitoring of diverse portfolios across industries.
Key responsibilities: • Demonstrate excellent skills in project execution, including synergy assessment, project management, problem-solving, and facilitation • Build relationships with EY offices across the globe and demonstrate knowledge of regional practices. Responsible for high degree of GDS user satisfaction with engagement process and work products • Assist in business development activities including preparing presentations for client and internal pursuit meetings • Support execution of the carve-out / integration plan while working to constantly identify areas for improvement, including resolving integration issues • Create work products documenting the engagement procedures performed against objectives • Manage client engagement teams executing TSE services which support key decision makers in developing and executing their transaction strategy to secure deal value • Provide guidance on projects and mentor a team of TSE professionals • Conduct timely performance reviews for employees and develop other professionals by providing effective performance feedback and training. • Identify business development opportunities and assist Partners and Senior Managers on proposals and new business opportunities • Working on database tools including APQC Benchmarks and S&P Capital IQ • Assisted on an acquisition project for a chemical industry-preparing workplans, Day 1 operating and future operating model, milestones dashboard,RAID log preparation,etc.
Commercial Credit/Commercial Lending Key responsibilities: Working for a US Bank and handling proposals of small and medium organizations for working capital requirements. Creating proposals for new money requests and conducting Annual Reviews of the borrower for working capital term loans, Line of credit, Guidance Lines, etc. Detailed Borrower Analysis - Includes Ability to make loan repayments, financial spreads of borrower and guarantor, Covenant testing, collateral valuation. Evaluating financial statements- Analyzing the financial statements and related financial metrics involving working capital assessment, investment analysis, synergy analysis and debt analysis. Projecting profitability and preparation of Break Even Analysis- Pertaining to the current pandemic situation. Finding out key business risks and opportunities. Spreading the financial statements in a customized web-based application. Working on assigning the Risk rating to the Borrower, and detailed risk rating rationale write-up. Detailed rent roll analysis for revenue determination. Reaching out to Adjusted EBITDA for valuation considerations. Analyzing P&L and Balance sheet thoroughly. Benchmarking, Cash Flow Analysis, understanding business trends. Tracking operational performance which includes: macroeconomic risk, Analysis of industry trends (IBIS World reports, metrics and key statistics (Liquidity, Debt Service and Leverage Ratio).
I was a part of Corporate Finance team, in which the company deals for arrangement of funds & private equity to various Corporate Clients for their expansion projects from various banks such as SBI, OBC, PNB, UBI, BOI, ANDHRA, VIJAYA, BOM, etc. Major Contribution/Learning: • Financial / Business Analysis and stand by the entire process till its success like Collection of Information, Documentation, Preparation of CMA, Follow-ups with Clients and Bankers etc. • Shortly, it involves the following duties- Meeting the Client to understand its business model and the projects for which they require funding, • Consulting and advising the company • Completing all required forms (i.e. PIM & Process Note) of banks on behalf of the clients in respect for further processing the proposal • Preparing Credit Proposal & CMA data with projection • Financial Analysis of the Companies with Bankers • Preparation of Project Report for the Financial Appraisal