Nadeem Mushtaque

Contracting Company (Mechanical & Civil Construction)

• Accounts Receivable and Payable maintaince and monitoring
• Coordination and follow up with Client for preparation processing of Invoices
• Monitoring Project costing and inform management regarding the same.
• Ensuring of Outsource (Workers) payment on commitment dates.
• Coordination with Bank for day to day activity.
• Preparation and submission of Monthly salary (WPS)

Detail-oriented and results-driven finance professional, where I'm handling client invoices, analyzing project costs, recommending plans of action, maintaining and aligning budgets, improving collection efficiency, and managing intellectual documentation.

• Financial analysis and reporting
• Project cost analysis and budgeting
• Invoicing and collection management
• GeM portal expertise
• Documentation and filing

In-house trading of Stationery/Printing supplies to various Corporate/Offices, Schools and Colleges. I was responsible for managing client relationship, handling invoices & processing orders, aligning the cost of production as per client budget, and handling purchases.

• Underwrite commercial vehicle finance risks for retail clients in Delhi region.
• Prepare approval memos for risk approval from the Central Credit Team in Chennai for exposures exceeding 2 crore.
• Follow up with branches for collection and recovery from delinquent clients.
• Coordinate with Audit Team to resolve audit queries within specified time frames.
• Conduct regular branch visits to monitor business operations and branch protocols.
• Obtain vendor and manufacturer approval for other CFD verticals such as Erickshaw.

• Prepare credit evaluation reports to assess risk in borrowers, transactions, and underlying securities.
• Establish qualification rules and evaluate creditworthiness of applicants.
• Highlight financials and key ratios, assessing their impact on the proposal.
• Screen CIBIL scores and bank statements.
• Recommend cash collateral proposals for renewal and approval by the Risk and Credit Management (RCM) team.
• Ensure adherence to policies and prevent violations of internal credit policies.
• Recommend approval for one-off cash-backed proposals for BGs and LCs.
• Initiate and coordinate legal and technical processes for new clients.
• Follow up with sales and clients to regularize overdues of interest and bills.

• Supported the Monitoring Manager in reporting, database maintenance, and early warning signal development for Commercial Banking Risk operations.
• Assisted in reviewing 100% cash-backed trade cases, ensuring complete documentation, obtaining approvals, and coordinating with Sales for file finalization.
• Processed disbursements for asset-backed finance, verified documents, coordinated with Trade teams, and ensured policy compliance.
• Conducted portfolio monitoring, quarterly reviews, system analysis for process improvement, and maintained audit standards.
• Facilitated branch training, built relationships with dealers/manufacturers, and managed MIS circulation for post-disbursal tracking.

• Prepared credit evaluation reports by analyzing financials, key ratios, CIBIL scores, and bank statements to assess creditworthiness.
• Recommended cash and cash-backed collateral proposals, ensuring policy compliance and coordinating legal and technical processes.
• Monitored overdue payments and ensured adherence to approval guidelines to prevent policy violations.