Ayush Arora

• Prepare comprehensive Annual Review Notes (ARN) for emerging cooperates , assessing financial performance, identifying risks, and providing strategic recommendations to senior management to support credit decision-making .
• Identify key credit risks , such as potential cash flow issues, changing market conditions, and shifts in the client's financial health, and propose actionable recommendations to senior management.
• Monitor and review borrower financials , including leverage ratios, on an ongoing basis, identifying early warning signs of potential defaults and proactively mitigating risks .
• Issue No Objection Certificates (NOC) in alignment with sanction conditions for corporate actions such as IPOs, security releases, and constitution changes.
• Ensure timely submission of stock statements from business units on a month-to-month basis, ensuring compliance with loan covenants and facilitating accurate working capital assessments.
• Update drawing power for working capital facilities based on reviewed stock statements, ensuring alignment with the borrower's financial standing.
• Prepare comprehensive PowerPoint presentations for Credit Committee meetings, summarizing portfolio performance, risk assessments, and key trends to support decision-making .
• Collaborate with business team to ensure alignment of credit policies and sales strategies.

• Analyze business and corporate financial statements, public credit reports and other relevant information to determine client risk of default and ensure compliance for regulatory risk grading requirements.
• Independently identify and clearly articulate risks and mitigating factors that could impact the client's ability to repay the loan. Recommend a course of action with clear and concise rationale.
• Complete the analysis of collateral and loan covenants of default to determine the potential loss in a default situation.
• Regular monitoring of portfolio of SMEAG clients, profiling and classification basis parameters like financial statements, stock statements, balance sheets etc.
• Providing renewal inputs and asset quality reviews for SMEAG clients based on Early Warning Signals, financial triggers.
• Reporting to senior management committee regarding stressed accounts

My Responsibilities:

Handling all the activities related to analysis & monitoring i.e. Analysis of Audit balance sheet, Updation of Drawing power after analysis of the Sanction Letter, Sanction Note & Stock statement, Monitoring of Financial Follow up report (FFR) & Stock audit analysis for Corporate Clients.