Naina Rupani

• Currently, working as Senior Analyst in Specialist Portfolio Management , handling a portfolio of 16 clients in Professional and Business Services Sector.
• Underwriting the proposal for yearly review of customers, incorporating analysis of business model and service area, , understanding corporate structure, analysis of Global sector outlook and UK Sector performance, business risks, competitor and peer analysis, comment on customer's focus on sustainability.
• Conducting portfolio review, monitoring and right-sizing facility limits, underwriting interim request proposal.
• Drafting and designing new transaction proposal , seeking appropriate approvals, preparation of supporting reports like DCOM and Pre-comp, and leading the operational front to get limits available for customers.
• Liaising with customers for financial submissions, confirmations at the time of Annual Review.
• Analyzing the quarterly, bi- annual submission of financial statements by customers, preparing summary report and submission to senior forum.
• Additional to portfolio management, also conduct training sessions for new joiners and also part of Risk Forum of the Portfolio Management Team.

Achievements:

• Rewarded and Recognized twice as an employee of quarter for contribution towards Portfolio.
• Appreciated by senior UK Counterparts for my contribution on compex tasks and getting it over the line.
• Rewarded with an LOV for contribution in testing of CDF implementation with is crucial for sustainability reporting and analysis.
• Enhanced client reporting by streamlining and simplifying processes and easy to ready summary.

• Worked in the Credit Policy Group , handling the sector- agnostic portfolio of corporate customers.
• Understanding the business model, industry of the proposed MCG Clients. Conducting the credit risk assessment i.e Financial statement analysis, ratio analysis, industry analysis, credit ratings, credit history and repaying capacity of the applicant. Also prepare the financial projections for the upcoming years.
• Evaluate the credit worthiness of the business clients basis their financials, existing relationship of the customer, bank statement analysis, credit reports, and market feedback.
• Conduct meetings with the prospective client to better understand the business and its operations.
• Undertook preparation of credit proposals on business performance, highlighting areas of concern and recommendation on loan approvals. Presenting proposal to sanctioning authority for loan recommendations.
• Recommended alternative terms for delinquent borrowers to reach mutually beneficial repayment arrangements, minimizing losses and maintaining positive customer relationships.

Achievements:

• Handled nearly 60 clients with a portfolio of around Rs 500 crore.
• Recognized as an employee of quarter for contribution on compex proposal and giving recommendations on business and credit profile.