Amit Samdaria, FRM, CFA LII Candidate

Experience

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  Fortune Multiple Services Pvt. ltd.

  Aug 2006 - Sept 2007

  Process Manager

  - Team management- Acquistion of client for the retail banking products such as Home loan, Personal loans and mortgage loans and to met the monthly target- Setting up target for team along and closely monitor the achivements- Liasoning with Banks and NBFCs and to handle the end to end process

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  Kotak Mahindra Bank

  May 2010 - Nov 2014

  Credit Analyst

  • Credit Risk Appraisal by preparing Credit Proposals for both Working Capital Facilities and Term Loan for SME Agri clients pan India.• Thorough analysis of the Business Model, Profile of the company, Business strategy, Industry Analysis, Fundamental Analysis, Financial Analysis, Cash Flow & Fund Flow analysis, Internal as well as External Rating analysis, CIBIL checks etc• Recommending & presenting the proposal in credit committees • Strictly adhering to the regulatory norms laid by RBI and internal guidelines of my organization• Responsible for the portfolio quality• Scrutiny of Financial and KYC documents received from the RM • Prompt recognition and reporting of deteriorating credit risks in portfolio and ensuring that necessary steps are taken to minimize loss to the Bank• Suspicious transaction monitoring and reporting• Undertaking visits at pre-sanctioning and post- sanctioning levels to the plants and godowns for inspection and office premises for discussion with the clients.• Monitoring the terms and conditions of the sanctioned proposal Show less

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  YES BANK

  Dec 2014 - Jun 2015

  Relationship Leader

  - Sourcing of credit proposal through open market and referrals- Understanding the business and financials of existing and new client & appraising credit proposal suiting their loan requirement - Getting the proposal sanctioned by sanctioning authority.- Ensuring the growth of existing books through enhancements and meeting other requirements of clients- Credit Management & Housekeeping: Primarily includes CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visits, obtaining and deciphering stock statements, quarterly results, insurance and TOD management.- Processing all Trade Transactions and ensuring execution of proper documents for trade products like Bank Guarantee, Letter of Credit, Pre/Post Shipment, Buyers Credit, etc.- Verification of Documents, Defaulter checks, Validation and Analysis of Financials Preparation of credit appraisal note. Show less

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  VIANTA ADVISORS

  Jul 2015 - Oct 2018

  Senior Credit Analyst

  Execution of mandates involving arrangement/restructuring of both fund based & non-fund based debt facilities (secured/unsecured) for SMEs/Corporates in the UAE from banks/NBFCs. This includes understanding client’s requirements & offering appropriate advice, evaluation of credit worthiness, factory/warehouse inspections, preparation of Teasers & Credit Appraisal Memoranda for banks, detailed Financial and Business risk analysis, SWOT Analysis, Project Feasibility Study, preparation of Projections/CMA Data, Evaluation of Management, Industry & Business Model, Due Diligence – market/banker reference check, Structuring & Assessment of proposed facilities, Relationship building with clients and banks, Resolution of queries on proposals from banks as well as negotiations with clients/bankers for structuring & pricing of facilities. Over 20 deals worth INR 400+ Crores have been executed in last 1 year Show less

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  Al Ain Finance

  Oct 2018 - Jul 2021

  Credit Analyst

  Preparation of Credit proposals for analysing Credit, Market, and Industry risks for existing as well as prospective borrowing relationships and to structure the facility and transactional documentation in order to mitigate the relevant risks. Assessment of a company would typically include detailed analysing of financial statements, ledgers, and other non-financial parameters and determining the debt repayment capacity of the clients. Monitoring the existing account in coordination with the risk department in order to identify the early warning signals or suitable enhancement opportunities and submit a detailed strategy sheet to the management as a decision tool. Liaising with the various internal departments such as CAD, Operations, Product and others in order to ensure delivering the best quality service to the clients. Developing and refining the existing credit review process in coordination with the risk department. Show less

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  Commercial Bank of Dubai

  Jul 2021 - now

  Assistant Relationship Manager