Anjali Kumari

WORK HISTORY

EDUCATION

ABOUT ANJALI KUMARI

I m a qualified cost and management accountant and currently working as a credit manager with 4 years experience in ICICI bank in Business credit department.My Key Responsibilities are: • Financial Analysis:• Detailed analysis of audited financial statements and projections.• Ratio analysis (liquidity, solvency, profitability, efficiency).• Cash flow assessment and debt servicing capacity evaluation (DSCR, ICR, leverage ratios).• Business & Industry Evaluation:• Understanding borrower’s business model, revenue streams, customer base, suppliers, and competitive positioning.• Assessment of borrower’s future growth plan, scalability, and sustainability of operations.• Management Assessment:• Background check and profiling of promoters/directors.• Evaluation of succession planning and management depth.• Credit Risk Appraisal:• Preparing detailed Credit Appraisal Memo (CAM\'s) for sanctioning authority.• Evaluating working capital requirement and assessment under different methods (Turnover method, MPBF method).• Assessment of term loan requirement, project cost, means of finance, and repayment capacity.• Collateral & Security Assessment:• Analysis of primary and collateral securities offered.• Ensuring adequacy of coverage through valuation reports and legal due diligence.• Monitoring margins and drawing power calculations.• Compliance & Documentation:• Ensuring proposals meet internal credit policy, RBI guidelines, and prudential norms.• Verifying KYC, income tax records, GST returns, 26AS, and other statutory documents.• Coordinating with legal, technical, and risk teams for reports.• Monitoring & Review:• Post-sanction monitoring of large accounts.• Reviewing stock statements, debtors/creditors aging, and fund flow.• Tracking repayment performance and flagging early warning signals (EWS).Key Achievements / Exposure:• Handled credit proposals with turnover of more than ₹200 Mn.• Independently appraised and recommended cases of ticket size ₹150 Mn• Exposure across diverse sectors like FMCG, Trading, Manufacturing, Services, and Infrastructure.• Experience in structuring working capital, term loans, project finance, and multiple banking/consortium arrangements.