Naukri SandeepNishad (4y 5m)

Name : Sandeep Nishad
E-Mail: Sandeepnishad@yahoo.com
Mobile: +91 9029138588
Profile Summary
 Hands on Experience of 5 year’s in finance , credit underwriting and financial analysis for
large ticket Size working capital loans and term loans.
 Handling credit portfolio of more than Rs 1000 Cr plus.
 Sound knowledge of Accounting, Ratio analysis, Financial statement analysis and Portfolio
management.
 Full-Time MBA (Finance) from IBS-Mumbai and B.Com Graduate in (Financial
Management) from University of Mumbai.
Work experience:
Company: Morgan Stanley India Private limited.
Designation: Associate Credit Analyst
Duration: Sep 2022 – current
Work Responsibilities:
 Oversee the timely management of a diverse portfolio of CRE.
 Ensure the timely transition of loans from Underwriting to Portfolio Management with a
thorough review of the credit including, but not limited to, ensuring that: (i) Internal Credit
Ratings are current and accurately reflected in the reporting systems; and (ii) financial
covenant and financial reporting trackers are accurate.
 Conduct due diligence including financial statement, rent roll, and collateral analysis.
 Manage the timely completion of Annual Reviews, Renewals, and Amendments for all loans
under management.
 Monitor the ongoing financial condition and performance of Borrowers/Guarantors,
covenant compliance, and the value/condition of collateral.
Company: Deutsche India Private limited.

Designation: Senior Credit Analyst
Duration: Feb 2022 – Sep 2022
 Undertake accurate and timely credit analysis of counter parties (including Corporate and
Financial institution) by identifying business and financial risk based on understanding of
business model, financial statement analysis, preparing cash flow model/ forecast and peer
analysis.
 Preparing detail Rating reports and credit reviews/analysis for recommendation to Senior
members for approval.
 Monitoring of assigned international portfolios, including rating changes, market/industry
developments,news events, etc and assessing the impact on credit worthiness of the
counterparty.
 Manage own credit portfolio and assist senior decision makers to make informed decisions
based on your recommendations.
Company: Kotak Mahindra Prime Limited.
Designation: Credit Analyst (Wholesale Banking), Grade : Manager
Duration: January 2020 – January 2022
 Preparation of detailed credit assessment report (CAM) of assigned portfolio and
recommending for approval to credit committee or senior management based on approval
matrix.
 Handling cases having average ticket size of Rs 50 Cr or turnover Rs 500 Cr and above.
 Conduct annual and interim reviews. including financial analysis to understand liquidity
position, repayment capacity, credit checks like Credit Bureau and valuation reports.
 Interacting with client and business team to understand requirements.
 Preparation of sanction letters, handling post-sanction formalities such as disbursement and
Deferral management.
Company: ICICI Bank Ltd.

Designation: Credit Manager (Wholesale Business Group)
Duration: December 2018-December 2019
 Undertake timely credit analysis of assigned portfolio and recommending for approval.
 Ensuring the assigned Portfolio complies with established credit policy.
 Preparation of sanction letters handling post-sanction formalities such as disbursement,
compliance of internal audit issues, and deferral management.
Company: Swaroop Jain & Co.,

Position: CA- Article-ship
Duration: August 2013 to June 2015.
Work Responsibilities
 Prepare quarterly and Annual Financial Statement and Financial Forecasting.
 Accounting and review of Receivables, Preparing financial statements based on the
regulatory framework.
 Review of fixed assets and Preparation of management accounts.
Skills : Credit Underwriting, Fundamental credit analysis, Cash-Flow Analysis, Ratio analysis,
Strong organizational skills and ability to prioritize work as required.
Academic Credentials: -
 Postgraduate Program in Management (Specialization : Finance) Full Time- 2018 | IBS-
Mumbai, CGPA 8.32 out of 10
 B.com-2013 (Financial Management) - 2013 | Thakur College of science & commerce, 80%.
 HSC- 2010, Maharashtra Board | Nirmala college science and commerce- 63%
 SSC- 2008, Maharashtra Board
Languages: English, Hindi, Marathi
Personal details:
 Date of Birth: 03/12/1993
 Address: 404/ B Star Avenue, Ramdev Park, Mira Road East, Thane 401107
 Phone no: +91 9029138588
 Email id: sandeepnishad@yahoo.com

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Naukri SandeepNishad (4y 5m)

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Name : Sandeep Nishad

Company: Deutsche India Private limited.

Company: ICICI Bank Ltd.

Company: Swaroop Jain & Co.,

Languages: English, Hindi, Marathi

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