Archit Aggarwal

• Performing credit reviews and assigning credit limits and ratings to the clients of our company based on credit rating model while analyzing business model, financial ratios, competitive position, liquidity, leverage and country risk.
• Releasing blocked shipments for the clients in SAP either by performing new reviews (to increase credit limit assigned or updating new found information)
• Performing quality checks on reviews performed by my team before being submitted to the client for approval.
• Conducting first level interviews and trainings for new talent.

• Undertaking credit appraisal and risk analysis of corporate for debt instruments, detailed analysis of various risks involved in their business, taking into account all the operational, financial and market information.
• Detailed analysis of financial statements, preparation of financial models, calculating and analyzing various financial ratios, studying the cash flow movements and conducting sensitivity analysis on key risk factors.
• Preparation of financial projections/forecasts: for determining the debt servicing ability of the rated entities.
• Responsible for maintaining relationship with the senior management of the rated entities and conducting plant visits to evaluate the effectiveness of business performance.
• Post sanction monitoring and review of financial analysis and credit rating.

• Developing detailed financial model comprising transaction details, financial statement analysis, projections, credit metrics, amongst others
• Conducting sensitivity analysis on projections– for stress testing on loans for serviceability
• Identifying deal specific covenants which can act as early warning signals while monitoring loans
• Detailed industry/market studies to understand operating environment of borrower
• Monitoring borrower performance on an ongoing basis and producing periodic review reports, including annual reviews along with interaction with clients to discuss data gaps, inconsistencies, analytical frameworks etc.

Same as INFOMERICS VALUATION AND RATINGS