Nitin Agnihotri

Financial Analysis: Perform detailed financial analysis, including assessment of Balance Sheets, Profit & Loss statements, Cash Flow statements, and financial projections to offer suitable financial products and services to Mid-Corporate & SME clients in various sectors (Manufacturing, Service, Trading, Construction, EPC, etc).

Banking & Borrower Analysis: Conduct a thorough analysis of the borrower’s banking history, account conduct with existing bankers, business vintage, and past financial track record.

Credit Assessment & Structuring: Evaluate the creditworthiness of borrowers and assess their requirements for fund-based and non-fund-based credit facilities.

Credit Opinion & Risk Analysis: Prepare comprehensive credit reports summarizing key insights on industry risk, business and management risk, financial risk, collateral coverage, and overall account conduct.

Compliance Monitoring and Coordination: Proactively managed accounts showing early warning indicators, and recommending remedial actions. Ensuring ongoing compliance with credit approvals, covenants, and lending policies. Coordinating with internal teams throughout the disbursement process and beyond. Conducted detailed reviews of customer accounts to identify potential areas of risk.

• As Credit Manager responsible for credit appraisals of the long term and working capital requirement of SME clients by way of - o In-depth analysis of operational, business, financial and managerial risks aspects.
• Analyzing of the borrowers Industry (market and demand Analysis, industry structure, SWOT analysis, recent developments)
• Conducting discussion with customers for understanding of business operations & fund requirements.
• Technical & Financial feasibility and due diligence study of the project as required from time to time.
• Internal credit rating on basis management profile, business profile, financial profile and industry.
• Preparation of financial projections based on short term and long-term growth, peer analysis and industry scenario.
• Preparation of term sheet as per the facility proposed and involved in pricing and security negotiations with the client along with preparation of sanction letter.
• Responsible for managing the portfolio in terms of review,renewal,monitoring,unit visits & review of stock audit and take suitable remedial measures.
• Work on delinquent accounts and following up DPDs to avoid moving to EWS/Watch List category in the portfolio.
• Maintain in-depth knowledge to ensure compliance to internal and external policies / regulatory regime.
• Collaborating with internal stakeholders like Business, operations, & CCSU teams for timely sanction & disbursement.

· As Credit Analyst was responsible for credit underwriting of the term loan and working capital limits by way of

o Comprehensive analysis of financial statements of a proposal – ratio, sensitivity and scenario analysis.

o Review legal & valuation reports and ensure compliance to issued guidelines.

o Preparation of Credit appraisal proposal in line with corporate credit policy and circular issued by bank.

· Analyzing the financial statements, assessing cash flows, projecting financial statements and make appropriate recommendations post undertaking the industry and business environment and take up the proposal with sanctioning committee for sanction, renewal and modification.

· Handling functions relating to credit monitoring for ensuring minimization of substandard assets; ascertaining the pricing, repayment structure & securities for the loans.

· Monitoring the portfolio on regular basis with an objective to identify any risk issues and point out early warning signals with remedial measures.

Worked in fields of Internal Audit, Stock Audit, Concurrent Audit and statutory Audit.

Preparation of Balance Sheet, Income Statement, Cash Flow Statements of various entities. Filed various forms with Registrar of Companies for annual filling.

Submission of Stock statement for maintaining the CC limits.

Major Internal Audit: Power Finance Corporation Ltd, The Institute of Chartered Accountants of India, Vipul Limited