Shubham Kumar

• Performing financial statement analysis to monitor financial and reporting covenant of the borrower.

• Generating business risk ratings and facility risk ratings by measuring the business on certain parameters.

• Performing annual review support to the client for underwriting and credit approval process.

• Completing interim reviews of the borrowers and providing support in doing quality checking for the same.

• Responsible for quality checking and training other teammates on covenant testing process.

• Analyzing and dealing with the financial information of mid-large and large corporates through which PD and LGD are calculated
• Covenants testing/ratio analysis and assessing the repayment capacity of our corporate client
• Spreading different annual and management accounts as per US GAAP and IFRS
• Review processing errors and customer complaints to identify trends and training needs
• Assist junior team members with work related to standard issues/queries
• Trained in report writing for Annual review role.

• Working Capital Management
• Cost Assessment
• Financial Statement Analysis
• Inventory Management.

• Operating Cycle
• Liquidity Analysis
• Working Capital Analysis.