Prasad S.

Credit Manager (Ard) Wholesale Buy-out @Kotak Mahindra Bank

Mumbai, IN

Handled credit proposals for Renewal, Renewal-cum-Enhancement, and New-to-Bank (NTB) Corporate Clients, including Takeover cases, with exposure limits up to Rs.300 Crores-The proposals primarily pertained to borrowers from diverse industries such as Educational institutions, Construction, Iron & Steel, Ship Breaking, SR buyout cases, Architecture and Engineering etc-The products handled included working capital facilities—both fund-based (FB) and non-fund-based (NFB)—as well as term loans for project and LRD cases etc-Conducted due diligence, prepared CMA data, assigned internal ratings to borrowers based on their financials, and examined their banking conduct as part of the pre-screening process-Analyzed financial statements and the borrower’s business model to assess creditworthiness-Analyzed various risk parameters including business risk, financial risk, industry risk, management risk, and collateral risk-Prepared Rationale and Credit Risk Appraisal Note (CRAN) by capturing the assessment of credit limits and other relevant details, highlighting credit and associated risks in the proposal, and providing justification for consideration before submitting for appraisal and review-Attended meetings with borrowers to understand their business models, review current financial performance, and clarify any queries related to the proposal.

University of Mumbai

Master's degree

Tolani College of Commerce Share e Punjab Society Plot No 151 Mahakali Caves Road Andheri E Mumbai 400 093

Master's degree