Pravin Korade

Experience

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  SMERA Gradings & Ratings Private Limited

  Jan 2007 - Jan 2011

  Asst. Rating Analyst

  • To conduct Credit Appraisal and Risk Analysis of business for SME clients taking into account the Financial Analysis, Key Ratios, Business model, Industry analysis, major tie ups/arrangements, etc. • Interactions with SMEs across industries - Interacting with clients to understand their business model, future plans and assessing the credit risk associated with the debt profile of the client.• Promoter’s and management’s experience in the current line of business, skills and technical know-how and their succession planning. • Checking of past repayment track record with existing/earlier lenders through analysis of bank statement.• Interact with banks, customers and suppliers to obtain feedback on credit profile and conduct of the business enterprise. • Understanding the business, credit profile and transfer of funds of the companies in the same group. • Benchmark comparison of the enterprise with the peers operating in the similar industry. • Preparing and checking of credit appraisal reports. • Liaise with the sales team and business partners to resolve the issues faced by client. Provide training to sales team and business partners across India on the rating process and documents. Show less

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  Capri Global Capital Ltd.

  Feb 2013 - Jan 2015

  Credit Executive (Officer)

  • Handling Mortgage & SME products (LAP and Machine Loans) • To assess audited financial statements, business profile, banking conduct, KYC, etc to assess the eligibility for the loan. • Preparing Credit Approval Worksheet for SME/ LAP, Preparing Financial evaluation, Applicant Profile assessment and eligibility assessment basis credit policy parameters.• Existing Customer Repayment Track Check in OMNIFIN System and Excel Data.• Generate Individual CIBIL, Commercial CIBIL and Dedupe check for Fresh Logins.• Repayment Check with different Financial Company and Banks.• To conduct personal discussion with customer / client with the intent to understand their business model, future plans and analyzes associated risks in the business and financial standing of the client. • Liaising with legal, valuer, credit and FI agency to ensure clearance from credit proposals. • Manage the entire loan documentation including mortgage/security creation.• To ensure complete adherence to laid down policy and procedure / process. • Execute the disbursement within the credit parameters and process of the organization. • Managing Inward, disbursement and Data entries in LMS (Loan Management System)• Co-ordination with other departments for continuous process improvement Show less

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  KapitalTech

  Jan 2015 - Jul 2018

  Area Credit Manager (SME - Business Loans)

  • Handling loan proposal for Business Loan for SME clients • Assessing, Analyzing and interpreting financial statements and other KYC documents of the clients.• Appraising files of loan applicants based on financials, business profile & internal as well as external checks.• Credit Appraisal and Risk Analysis of business for SME clients taking into account the Financial Analysis, Key Ratios, Fund flow Analysis, understanding Business model, Industry analysis, major tie-ups/arrangements, etc. • Promoter’s and management’s experience in the current line of business, skills and technical know-how and their succession planning. • Checking of past repayment track records with existing/earlier lenders through analysis of bank statement.• Understanding the business, credit profile and transfer of funds of the companies in the same group. • Conducting personal discussion with the client with the intent to understand their business model, future plans and analyze associated risks in the business and financial standing of the client related to his eligibility basis on his business and other facts.• Take sound lending decisions based on available information & interactions with the applicants.• Assessing overall Credit Eligibility, preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees. • Manage credit quality and control delinquencies, frauds • Structure the right product to the customer during customer interactions• Ensuring loan application to be processed within TAT• Ensuring Loan applications are processed with adherence to Credit Policy.• Coordinating with operations and disbursal team as well as external vendors like Field Investigation Agencies. Special Assignments• Part of team for development of complete Credit Appraisal Module. • Part of team for development of integrated IT System for the LOS & LMS processes. Show less

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  RattanIndia Finance Private Limited

  Aug 2018 - Jan 2022

  Area Credit Manager (SME - Business Loans)

  • Handling loan proposal for Business Loan for SME clients • Assessing, Analyzing and interpreting financial statements and other KYC documents of the clients.• Appraising files of loan applicants based on financials, business profile & internal as well as external checks.• Credit Appraisal and Risk Analysis of business for SME clients taking into account the Financial Analysis, Key Ratios, Fund flow Analysis, understanding Business model, Industry analysis, major tie-ups/arrangements, etc. • Promoter’s and management’s experience in the current line of business, skills and technical know-how and their succession planning. • Checking of past repayment track records with existing/earlier lenders through analysis of bank statement.• Understanding the business, credit profile and transfer of funds of the companies in the same group. • Conducting personal discussion with the client with the intent to understand their business model, future plans and analyze associated risks in the business and financial standing of the client related to his eligibility basis on his business and other facts.• Take sound lending decisions based on available information & interactions with the applicants.• Assessing overall Credit Eligibility, preparation of detailed proposal notes and ensuring clearance from credit sanctioning committees. • Manage credit quality and control delinquencies, frauds • Structure the right product to the customer during customer interactions• Ensuring loan application to be processed within TAT• Ensuring Loan applications are processed with adherence to Credit Policy.• Coordinating with operations and disbursal team as well as external vendors like Field Investigation Agencies. Show less

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  Hero FinCorp.

  Jan 2022 - now

  • Area Credit Manager

    Jan 2022 - now

  • Area Credit Manager

    Jan 2022 - now