Manager - Credit

• Understanding of financial statements, and financial analysis of corporates / mid-corporates
• Proficient writing skills, for preparing credit appraisal note, in concise manner, while at the same time bringing out all the key aspects of a transaction
• Financial modelling skills (MS-Excel) for preparing business plan / financial projections.
• Domain expertise in sectors under coverage
• Understanding of banking / lending business, and the regulatory aspects in relation to the same
• Research oriented approach of working with an eye for detail.
• Term sheet Drafting
• Identifying key drivers, risks and key issues in the transaction being evaluated, and leading the discussions with client and other stakeholders (LIE, rating agencies, etc) for understanding key aspects/risks of the transaction, and obtaining suitable clarifications on the same, with the objective of making the transaction bankable.

Presenting the transaction internally to senior management, bringing out the key strengths, risks and mitigants of the proposed transaction, prior to putting up to appropriate committee for final approval