CA Pramod Reddy Pamulaparthy

Diligent Senior Credit Analyst with over 8 years of expertise in gathering and evaluating documentation to conduct comprehensive risk reviews. Recognized for mentoring associates and providing valuable insights into job tasks, fostering a collaborative and productive work environment. A strategic thinker and effective team player, proficient in analyzing diverse financial data to drive informed decision-making. Committed to enhancing organizational performance through meticulous analysis and effective communication.

• Collection of required financial and non-financial information from the client
• Checking the profile of the customer and business stability by verifying the documents submitted by the coverage team
• Understanding the business model and conducting Tele PD and Visit of customer place including residence and understanding the financial requirements of the borrower.
• Analyzing the data to determine the past financial performance of the client
• Analyzing the financial position and Business risks of the Large corporate/ SME companies.
• Conducting extensive analysis on the financial ratios (Profitability, Liquidity, Leverage, ROE, DSCR etc) to assess the financial strengths and weakness of the borrowing entities.
• Preparing the working capital and Term loan assessment.
• Carrying out credit risk assessment.
• Arriving the eligibility as per organization credit policy
• Preparation of PPT and presenting the proposal to Approving authority based on the delegation of powers.
• Monitoring Account Portfolio and maintaining minimum delinquency levels
• Keep in constant touch with the customers about the regularity of the account
• Conducting Joint visits with business and collection teams on frequent intervals to understand the changes in customers business, end use monitoring and understand any abnormal changes in business.
• Monitoring and review of Portfolio.

• Key Products:
• Working Capital Limits like CC, OD, Pledge Limits, Bill Discounting for manufacturers, Traders and Service Providers.
• Term Loans for Green Field Projects and For warehouse, cold storage, Poultry farm Constructions, set up of manufacturing plant and for purchase of Machinery
• Non-Fund Based products like ILC/FLC, LC, Bank Guarantee, PCFC etc.
• Profiles/Industries Handled:
• All Individual Mortgage & LAP Loans, Unsecured Loans, Seed Production and Processing Industries, Food and Agro industries, Animal Feed Manufacturing, Cotton Spinning Industries, Plastic Manufacturing Industries, Cold storage, Warehouse, Poultry, Agri commodity traders, Commission agents, Retail industries, Lease rent discounting, Software, Pharma Industries, Metal Industries, Manufacturing of Cables & Wires Industries etc.
• Credit Limits Handled:
• Fund Based and Non-fund Based working capital limits, Term Loans, Project Loans ranging from Rs.50 million to Rs.2000 million.

• Worked with KP Rao Associates, Hyderabad as Article Assistant and Paid Assistant from September 2012 to May 2017 (4 Years 8 Months) in Vcfo (Virtual CFO).
• Nature of Works:
• Statutory Audit of Various Companies.
• Preparation of Project reports
• Statutory Bank Audits of various Bank Branches.
• Filing of IT Returns, TDS and Service Tax returns.
• Tax Audits of various entities U/s 44AB of Income Tax Act, 1961
• Carried on Accounting Work for corporate companies
• Incorporation of company and ROC Filings etc.

• Ability to prepare CMA and Balance sheets of various entities.
• Ability to understand and analyze the financial standing of the client while conducting customer visit.
• Ability to analyze financial and non-financial aspects and make sound credit decisions, thus adhering to bank policy.
• Ability to analyze the risk factors in each industry based on understanding of Business model and internal controls adopted by customer.
• Adherence to the Quality with TAT Maintenance.
• Ability to proactively sense customer issues and strive to resolve those.
• Commitment, Dedication and can maintain good human relations.
• Hardworking & Sincerity.