Anand Saha

Experience

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  Onicra Credit Rating Agency of India Limited

  Sept 2016 - May 2017

  Associate

  Expert in analysing Annual Report : Public companies, Private Companies, Partnership firms, Sole Proprietorship firms, Focus on Audit Report, Notes to accounts, Sub-Schedules of Balance sheet & Profit & Loss A/c.Making the necessary adjustments by identifying the operating environment, sales activities, non-operating activities which shows the sustainable profit or loss reported by the company in the current financial year.Generating financial ratios which shows the liquidity, leverage & profitability position of the companies and thus helps in performing comparative analysis.Re-organization and restatement of Balance sheet items into current & non-current balances, activities related to subsidiary & affiliate parties and also identifying contingent liabilities which helps to know the company’s future obligations.Communicating with the Credit Analysts in order to make necessary adjustments in the final output. Show less

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  Capital Float

  May 2017 - Aug 2018

  Assistant Manager

   Customer background verification with the help of Field Investigation Report, Fraud Report, Defaulter Check, Politician Background and CA check etc. Overall credit worthiness analysis with the help of Auditor Report, Balance Sheet, P&L, Banking, CIBIL, GST, ST, VAT, Tax Receipts Financial spreading generating financial ratios which shows the liquidity, leverage & profitability position of the companies and thus helps in performing comparative analysis. Performing on Balance Sheet and off Balance Sheet analysis Design Debt- Waterfall by clubbing Commercial CIBIL, Sanction letter and financial statement provided by client. Business Blood diagnosis (Banking Analysis) to find out Revenue, expenditure pattern, penalty charged etc. Coordination with sales team and credit managers to take the appropriate decision regarding the case at the CAM stage itself. Develop Loan Eligibility Model for MCA Product in Excel Platform. Show less

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  CRISIL Limited

  Aug 2018 - Oct 2021

  Rating Analyst

   Actively monitoring portfolio of mid to large sized Indian corporate along with maintaining client relationships during the rating life-cycle. End to end execution of Credit Rating assignments of 50+ entities: The assignments includes understanding the banking products, performing due diligence, analyzing operational & financial profile, financial modeling, analyzing industry dynamics, presenting to rating committee with rating recommendation along with providing medium term outlook and preparing press releases. Industry, business, financial and management analysis of the mid corporates -Financial analysis includes historical performance analysis (Growth, Profitability, Working capital, and Cash flow assessment) as well as business and financial modelling /projections  Risk Assessment and peer benchmarking w.r.t. financial performance and business operations Management discussions on the future strategy, performance expectations and management succession plan Presentation to internal committees and preparation of reports  Writing press release & articles for senior management Show less

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  Federal Bank

  Nov 2021 - now

  Assistant Manager

  Managing diversified portfolio of INR ~2000 cr in various industries like FMCG, Shrimp, Auto, government contractor, EPC, real estate etc. Appraisal of Proposal · Evaluation of the proposal, with a comprehensive risk assessment for the new to bank (NTB) Client, renewal, Renewal with enhancement proposal · To convey a clear opinion to the business team regarding feasibility of proposed transaction/ proposed facilities in risk point of view which includes inherent risk in industry, business model, financial structure.· Preparing final CAM which in lines with bank credit policy and extant regulatory guidelines · CAM assessment includes end to end analysis of facility table structuring, security structure assessment of proposed limit, Peer comparison, SWOT and detailed comment of the business risk, liquidity, financial, due-diligence, collateral, and group performance etc.Portfolio Monitoring · Ongoing monitoring of accounts including tracking developments in the industry and the account to identify stresses early and work with business and risk teams in devising appropriate mitigation strategies wherever required. Advanced detection before SMA / Rating downgrade / default. · Focused housekeeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team. · To identify and closely monitor accounts which are under stress, to devise and implement account strategy. · Appropriate level of client calling to develop a strong understanding of client business and industry dynamics. · To interact with the relationship managers proactively to assess the main risks and propose mitigants, at various stages of the credit process. · Engaging with Credit Administration (operations team), Legal, Audit, Compliance, IT, and other stakeholders as appropriate for all credit processes. Show less