Renu Raliya

Job role involve handling SME & Mid corporate group whose exposure is between Rs 5 Cr to 40 cr and retail loans including home Loans,personal Loans etc. Personal discussion with the customers, Analyze the financial statement and key financial ratios and looking for the disbursement of loans .

• Assessing the credit worthiness of customers by comparing the financials scale of the borrower with the level of business activity & setup observed during the PD.
• Detailed banking analysis in conjunction with current year financial number.
• Measuring financials & operational performance of client using the financial tools like ratios, trend analysis, variance analysis, sales forecasting, stock statement analysis.
• Sales forecasting based on Form-26AS and up to date GSTR.
• Preparation of dedupe based on CIBIL, CRILC and CPCS report of SME group.
• Analysis of financials and preparation of CMA report based on financials (Form II and Form III).
• Preparation of various reports like PNC, Credit Review Note and Sanction letter to identify the pros & cons and future growth forecasting.
• Special Mention accounts (SMA) reporting on weekly basis to RBI and doing the SMA classification on 1 to 90 DPD.
• Classification of NPA accounts on CRILC reporting to RBI for standard, substandard, doubtful & loss accounts.
• Reporting of wilful defaulter, Suit & Non-Suitcases.
• Manage complete life cycle of Loan process from credit application till disbursement.
• Keep track of market factors, indices, policies and regulations and identify impact on credit portfolio and decisioning. Ensuring post disbursement documents and covenant management.
• Monitor Loan utilization, repayment capacity, adherence to policy/guidelines ,loan covenants and other critical process and compliance checks.
• Provided exceptional customer service while resolving disputes or addressing inquiries related to billing issues, payment terms, or other financial concerns.
• Appreciation for completing proposals within given TAT .

• Job role involve handling commercial banking group covering mid corporate and MSME.
• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed credit scores to determine borrowers' creditworthiness.
• Ensuring terms of Corporate credit policy are complied.
• Maintaining TAT for credit appraisal of all proposals by providing quick insights.
• Ensuring healthy portfolio through monitoring of accounts.
• Appreciation for completing proposals within given TAT of 2 days for ticket size of 10 crores.

• Handling Interpretation of GST Law along with implementation, fresh GST registrations return ,return filing and transitional implementation.
• Advisory services on applicability of GST and providing guidance on issues related to taxability, exemptions, input tax credit, reverse charge mechanism etc
• Independently conducting auditing with team of three, handling staff and assigning roles to them as per scope of Audit for timely completion of Audit.
• Analyzing Books of Accounts and recommending policies to adopt for maintenance of books as per ICAI guidelines.
• Preparation of Financial Statements as per Companies Act 2013 and Audit reports for submission to Board of Directors. Conducting review meeting with clients to implement policies that comply with Standards