Sharad Srivastava
Email : sharad9560 AT gmail.com
Objective :
Seeking for a challenging & rewarding opportunity with an organization of repute which recognizes my true potential and effectively utilizes/ nurtures my excellent analytical skills and leadership skills.
Professional Experience :
1) Auxilo Finserve Private Limited (Feb 2019 to till date)
Location Credit Manager - (EIL)
Managing Location- Delhi-NCR, Haryana, Punjab and Uttar Pradesh
Job Responsibilities:
** Managing credit for (EIL & AIL).
** Credit worthiness of the client based on a set of checkpoints. Analyzing Financial Statements, SWOT analysis, Credit Ratings. Assessment of Business, Market and Management risk. Scrutinizing the income track record of the applicants.
** Personal discussions/visits at client’s sites to understanding of the credit worthiness.
** Perform financial calculations, research on industry trends, and identify key credit risks.
** Investigating the financial standing and reputation of credit applicants.
** Preparation of Proposals
** Risk Rating of proposals
** Establishing and controlling Credit limit and term.
** Presentation of Proposal to sanctioning authorities.
** Prepare reports of loan and accounts, which have outstanding (unpaid) amounts.
** Site visiting and personal discussions with the client
2) Bandhan Bank Limited (Jan 2018 to Feb 2019)
Credit Manager - (SME & Mortgage)
Managing - Delhi-NCR, Haryana, Punjab and Uttar Pradesh Location
Job Responsibilities:
** Manage credit for the business unit (Retail/Corporate banking/ SME)
** Credit worthiness of the client based on a set of checkpoints. Analyzing Financial Statements, SWOT analysis, Credit Ratings. Assessment of Business, Market and Management risk. Scrutinizing the income track record of the applicants.
** Personal discussions/visits at client’s sites to understanding of the credit worthiness.
** Perform financial calculations, research on industry trends, and identify key credit risks.
** Investigating the financial standing and reputation of credit applicants.
** Preparation of Proposals
** Risk Rating of proposals
** Establishing and controlling Credit limit and term.
** Presentation of Proposal to sanctioning authorities.
** Prepare reports of loan and accounts, which have outstanding (unpaid) amounts.
** Site visiting and personal discussions with the client
3) DCB Bank Limited (Sep 2016 – Jan 2018)
Credit Manager (SME & Mortgage) and Managing Delhi-NCR and Haryana Location
Job Responsibilities:
** Manage credit for the business unit (Retail/Corporate banking/ SME)
** Investigating the financial standing and reputation of credit applicants.
** Preparation of Proposals
** Risk Rating of proposals
** Establishing and controlling Credit limit and term.
** Presentation of Proposal to sanctioning authorities.
** MIS maintenance.
** Prepare reports of loan and accounts, which have outstanding (unpaid) amounts.
** Site visiting and personal discussions with the client
4) SMERA Ratings Limited, New Delhi (Associate of SIDBI & D&B) (Feb 2014-Aug 2016)
Designation : Executive Analyst (Corporate Bank Loan Ratings)
Job Responsibilities :
** Key risk factors (risk drivers), credit concerns and mitigates.
** Industry analysis and outlook and operational and supply chain analysis
** Analysis of financial statements and peer comparison
** Preparing the projections to determine the expected future performance
** Comparison of client’s financial results with industry results
** Financial Modeling and cash flow analysis and projections
** Inputs from bankers, auditors, market participants, major suppliers and customers while addressing the creditworthiness of the client and addressing Banker’s concerns
** Periodic analysis of Income statement, balance sheet and cash flows of the assigned portfolio under rating - New/review/enhancement/surveillance.
** Carry out the credit risk, business and Industry risk, operational risk and managerial risk of the companies to be rated.
** Preparation of analytical reports, based on direct access to company’s senior management as well as public information.
5) GKC Management Services Private Limited, New Delhi (Dec 2012-Feb 2014)
Designation : Financial Executive (Medium Enterprises)
Function- Bank Loan Credit Appraisal
Job Responsibilities :
** To analyze the credit worthiness of the SME’s, as aspirants of the loan applied from a bank such as (HDFC, Fullerton India, Reliance Home Finance, Magma, Religare, IIFL, TATA Capital, Citi Bank, DCB, GE Money and Edelwise).
** Coordinate all types of Loans such as Auto Loan, Personal Loan, LAP, PFI, PD, CPA, End Use Monitoring,
** Edelwise CPA, and L.I.P of All Banks.
** Preparing of Re-Assessed Profit & Loss Account & Balance Sheet on the Excel Sheet based on own assumptions and market trends.
** To Re-assess the operational risks inherent in the business, taking account of changing economic or market conditions, legal & regulatory requirements.
** To undertake complex industry, competitor and client level analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs.
** To assess the risk involved in the proposal made by the client to the bank and to prepare reports on client’s credit appraisal based on personal discussion.
Achievement:
** Awarded with DCB Bank Limited Award for Performance for the year of 2016-17.
** Awarded with DCB Bank Limited most prestigious award “Excellence” for July-Sep quarter, 2017.
** Awarded with SMERAites Award for Performance) for the year
Internship Projects:
1) HINDALCO Industries Limited, Renukoot, (U.P) (Finance Department) (June 22, 2011 – Aug 02, 2011)
Project Title : Financial Analysis of Hindalco Industries Limited & Comparison with Nalco
Academic Qualification:
** MBA (Finance & HR) 2012 IIMT College of Management, Greater Noida Mahamaya Technical University, Noida
** B.
COM 2010 University of Allahabad University of Allahabad Intermediate 2007
** ST. Vishna R.R. Nector. School, Allahabad C.B.S.E High School 2005 Air Force School, Allahabad C.B.S.E
** Certifications D.F.A
Personal Details:
Date of Birth : 11th Feb 1990
Languages Known : English & Hindi
Interests & Hobbies : Travelling and Listening to music
Declaration:
I hereby declare the above mention details are true to the best of my knowledge and belief.
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