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CV_Tauheed

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CV_Tauheed

  1. 1. Core Competencies Corporate Finance Credit Analysis - Large Ticket Advances Financial Planning Portfolio Management Financial Modelling Risk Assessment Environmental Compliances Internal Audit / Controls Team Management Export Finance Versatile, high energy professional with nearly 6 years of experience in credit analysis, targeting senior level assignments in Credit Analysis/ Financial Planning and Monitoring preferably in Banking/ Financial Services industry Profile Summary Skilled at appraising credit proposals & scrutinizing relevant documents before sanctioning / disbursing the credit, ensuring compliance with organizational credit policies Insightful experience in regulating the portfolio from INR 6.75 Crore (USD 1.35 Million) to worth portfolio size of INR 1350 Crore (USD 208 Mio) Manage day-to-day operational risk management activities such as risk and controls assessments, incident capture and analysis, and scenario analysis and planning Experience in creating investment portfolio for industries like Ceramics, Textile, Organic/Inorganic/Agro Chemicals, Auto Ancillary, Electrical and Electronic Equipment, Infrastructure, EPC Contractors, Pharmaceuticals, Low Cost Housing and Trading Rich knowledge of preparing reports with sound understanding of the business process and maintaining the same for future reference Exposure in identifying/adopting emerging trends & addressing industry requirements to achieve organizational objectives & profitability norms Soft Skills Key Projects Handled Assignment of Bank’s Exposure to Asset Reconstruction Company (ARC) INR 302.05 Cr Manufacturing of High Chromium Wear Parts used in Process of Crushing/Grinding in the Cement INR 204 Crore Manufacturing of Agro Chemicals INR 205.00 Crore (USD 43.85 Million) TAUHEED AHMAD tauh.ahmad@gmail.com +91-9662257609 Change Agent Motivational Leader Thinker Collaborator Communicator Planner Manufacturing of Organic, Inorganic and Fine Chemicals INR 285 Crore (USD 60.41 Million) (USD 40.80 Million) (USD 41.00 Million)
  2. 2. Work Experience Since May’11 with State Bank of India, as Credit Analyst Present Posting at Baroda Key Result Areas: Analysing the financial statements, appraisal of loan proposals, risk rating of borrowers and all other formalities related to pre disbursement as per the regulatory authority’s requirements Leading the assessment of project proposal with complete market analysis, technical analysis, financial modelling and plan, risk assessment - economic, social safeguards, environmental compliances Regulating financial appraisal of the loan proposals (new as well as existing) including risk rating of mid-corporate clients for their fund requirements Processing and ensuring completion of processing activities and disbursement of loans maintaining turnaround time Creating the new credit facilities for the ongoing entities of portfolio, renewal of these facilities for existing units through the departmental process at periodical intervals Verifying and ensuring that information submitted by clients are as per the credit norms of bank using various tools and resources viz. CMA, internal rating, CBDT website, MCA website Identifying improvement areas & implementing measures to maximize customer satisfaction levels Ensuring continuous interaction with the customer to make sure that area of concern can be worked upon for improved service levels Preparing reports with a view to monitor the performance & efficiency of team members; ensuring compliance with pre- set quality parameters Leading internal audit / risk assessment engagements to identify risks and assess whether adequate controls exist to mitigate the same Significant Accomplishments: Identified significant control breach in mortgage registration process, resulting in avoidance of a INR 302.05 Crores loss Support Prasad Multi Services Pvt. Ltd.’s core risk management corporate initiatives including the New Initiatives Process (NIP), Management Self Identification of Issues (MSIs), Management Control and Awareness Rating (MCAR), Operational Risk Profiles, and so on Planned, completed and led risk based audits for all units in portfolio, support and operational departments Officiated branch of SBI in absence of branch manager Merit of being promoted to Scale II after confirmation due to exceptional performance during the probation period and attaining good marks in confirmation test Successfully opened 111 savings bank account in a day responding to a campaign launched by the bank Generated cross selling business for the banks Education B.Sc. (Computer Science) from University of Allahabad, Allahabad in 2007 MBA (Corporate Management) from University of Lucknow, Lucknow in 2011 Trainings Attended Training and Conference on “Branch Management and Technological Aspects” of banking at State Bank Academy and State Bank Foundation Institute Training on Corporate Finance and Monitoring of Advances at State Bank Academy Training on Critical Analysis of Balance Sheet at State Bank Academy Qualified Associate of Indian Institute of Banking and Finance (JAIIB and CAIIB) Compatibility Based Training (CBT) and Conference at Infosys BPO Ltd. Certified Insurance Facilitator (CIF) for life insurance business Personal Details Date of Birth: October 15, 1988 Languages Known: English, Hindi Address : C/o State Bank of India, Industrial Finance Branch, 4th Floor, Mid Town Heights, Jetalpur Road, Vadodara - 390007
  3. 3. Annexure Project: Manufacturing of Ball Bearing Cages for Automobile Industry Location: Ahmedabad, Gujarat Year 2015 Value INR 48 Crore (USD 9.60 Million) Position Credit Analyst Role: The company is in manufacturing of ball bearings cages mainly used in automobile industry. Company employs more than 500 workers. Following jobs were performed while reviewing credit facilities granted to the company o Renewal of Fund Based Working Capital of 30 Crore and NFB (LC) of INR 3.00 Crore (Including Export Packing Credit) o Sanction of Forward Contract/ Derivative Limits of 1.00 Crore valued at a notional amount of INR 50 Crore o Assessment and Sanction of Bills Discounting Limits (Under LC/ Non LC) o Issuance of Letter of Comfort for an Exposure in China o Review of existing Term Loans, review of project parameters and its progress o Assessment of environmental and social safeguards and mitigation thereon Project Manufacturing of Agro Chemicals Location Vadodara, Gujarat Year 2014 Value INR 205.00 Crore (USD 41.00 Million) Position Credit Analyst Role The unit was putting up a Brownfield expansion plant for manufacturing of Active Ingredients. They had lined up a private equity investor. Following aspects of were examined before NOC for the said transactions were issued: o Assessment of valuation of company and private equity o Impact on Networth of the Company o Status of stake holding in the company after the infusion of equity o Process of infusion of funds and mode of its maturity o Overall impact of the infusion of the funds on Bank’s exposure to the company o Assessment of environmental and social safeguards and mitigation thereon Project Manufacturing of High Chromium Wear Parts used in Process of Crushing/Grinding in the Cement, Mining and Thermal Power Industries and Trading of Media Grinding Balls only for exports. Location Changodar / Bavla, Ahmedabad, Gujarat Year 2014 Value INR 204 Crore (USD 40.80 Million) Position Credit Analyst Role Company is listed on India Stock Exchanges and one of the largest manufacturers of high chromium wear parts in the world. Reviewed credit facilities granted to the company: o Assessment of Bank Guarantee Limits of INR 50.00 Crore o Sanction of Forward Contract/ Derivative Limits of 54.00 Crore valued at a notional amount of INR 2700 Crore o Sanction of Working Capital Limits of INR 100 Crore (Including Export Packing Credit) o Assessment of environmental and social safeguards and mitigation thereon Project Assignment of Bank’s Exposure to Asset Reconstruction Company (ARC) Location Ahmedabad Year 2015 Value INR 302.05 Crore (USD 60.41 Million) Position Credit Analyst Role Company is manufacturer of Home Textiles and listed on Indian Stock Exchanges. Company was not adhering to environmental safeguards for waste material and water treatment and was forced to shutdown operations by regulatory authorities. The Account was facing financial and business constraints due to contingent liability arising out of it. It had been restructured twice including financial assistance for setting up an Effluent Treatment Plant (ETP). However, efforts of consortium led by State Bank of India failed to revive the unit so the exposure was sold to ARC. Following duties were performed: Assessment of valuation of the account to arrive at a “Reserve Price” which will serve as the minimum price at the auction for sale to ARC. Reserve price is based on: o Value of the underlying assets, their quality, useful life, location advantage, ownership, realizable value o Chances of revival of the unit, viability of business model o Status of legal action, if any o Growth rate / potential of the sector / economy o Resolution / carrying cost of the asset o Expected rate of return on investment o Adherence to the statutory requirements including environment and social safeguards guidelines and mitigation thereon
  4. 4. Project Construction of Residential Building Location Ahmedabad Year 2016 Value INR 52.00 Crore (USD 10.40 Million) Position Credit Analyst Role The firm proposed for construction of a high rise building with a total project cost of INR 176 Crore. Firm requested for sanction of working capital of INR 52.00 Crore. Following jobs were undertaken: o Background check for promoters / partners o Validation of cost of project with the engagement of services of professionals o Obtaining required approvals such as Approved Plan, Commencement Certificate, Environmental Impact Clearance, Fire NOC o Techno-Economic Feasibility of the project o Assessment of working capital requirement based on cash budget method o Chalking out a plan for disbursement of loan and monitoring of the progress of the project as per sanctioned terms. o Assessment of social safeguards. Project Recalling of Advance and Initiation of Legal Action Location Ahmedabad, Gujarat Year 2015 Value INR 92.75 Crore (USD 18.55 Million) Position Credit Analyst Role Company is an Engineering Procurement and Construction (EPC) Contractor. Account had turned NPA despite various measures including CDR taken by the consortium. In view of same, it was decided to recall the asset. Following procedure was followed: o Assessment of environmental and social safeguards and mitigation thereon o Proposal for recalling of advance to get the approval from the concerned authority of the Bank and initiating steps to exit from CDR Mechanism o After approval, initiation of legal action including filing of recovery suit with Debt Recovery Tribunal (DRT) Project Trading of Detergent and Petro Chemicals Location Gujarat Year 2014 Value INR 205.00 Crore (USD 41.00 Million) Position Credit Analyst Role Following jobs were performed while reviewing credit facilities granted to a group of three companies: o Sanction of Working Capital Limits of INR 127.00 Crore o Sanction of Forward Contract/ Derivative Limits of 10.40 Crore valued at a notional amount of INR 520.00 Crore o Assessment of Letter of Credit (LC) Limits of INR 60.00 Crore o Assessment of Bank Guarantee Limits of INR 8.00 Crore o Assessment of environmental and social safeguards and mitigation thereon Project Proposal for Release of Property Location Himmatnagar, Gujarat Year 2014 Value INR 4.00 Crore (USD 0.80 Million) Position Credit Analyst Role Analysis of Company’s request for release of property held as collateral with bank, feasibility of the request and impact of release on Bank’s existing exposure on the Company. Project Manufacturing of Dyes and Intermediates (Chemicals) Location Kadi, Gujarat Year 2015 Value INR 25.00 Crore (USD 5.00 Million) Position Credit Analyst Role Company is in the manufacturing of the chemicals and dyes for industrial usage. Following jobs were undertaken while reviewing the credit limits of the Company: o Sanction of Working Capital Limits of INR 18.00 Crore (Including Export Packing Credit) o Review of existing corporate loans of INR 1.68 Crore o Sanction of Forward Contract/ Derivative Limits of 1.28 Crore valued at a notional amount of INR 64.00 Crore o Assessment of Letter of Credit (LC) Limits of INR 6.00 Crore o Checking whether all the required approvals including environment impact clearance are in place and assessment of contingent liability arising out of its absence
  5. 5. o Assessment of environmental impact as Dyes has very high environmental impact and social safeguards for the employees. Project Manufacturing of Home Textiles Location Ahmedabad, Gujarat Year 2014 Value INR 25.00 Crore ( USD 5.00 Million) Position Credit Analyst Role Annual Review of Credit Facilities (Export Credit) sanctioned to the company along with assessment of company’s request for the enhancement in working capital credit limits o Sanction of Working Capital Limits of INR 19.00 Crore (Including Export Packing Credit) o Assessment of Ad-hoc Limit of INR 3.00 Crore o Review of existing term loans and corporate loans of INR 1.68 Crore o Sanction of Forward Contract/ Derivative Limits of 0.82 Crore valued at a notional amount of INR 41.00 Crore o Assessment of Bank Guarantee Limits of INR 0.50 Crore o Checking whether all the required approvals viz. environment impact clearance are in place and assessment of contingent liability arising out of its absence o Assessment of environmental impact as Dyes has very high environmental impact and social safeguards for the employees Project Erection & Commissioning of Transmission lines &Substation structures on Turnkey Location Rajkot, Gujarat Year 2015 Value INR 50.00 Crore (USD 10.00 Million) Position Credit Analyst Role Account had become NPA. We as lenders, tried to revive the unit including restructuring which failed. In view of same, Bank decided to recall the asset. Following duties were performed: o Proposal for recalling of advance to get the approval from the concerned authority of book o After approval, initiation of legal action including filing of recovery suit in Debt Recovery Tribunal (DRT) o Assessment of environmental and social safeguards and mitigation thereon Project Trading of Agro Commodities (Export) Location Mehsana, Gujarat Year 2014 Value INR 13.40 Crore (USD 2.68 Million) Position Credit Analyst Role Company is engaged in processing and trading of agriculture commodities sesame seeds, fennel and spices with a reported turnover of more than INR 100 Crore during FY 15. Company procures material from the local Agriculture Produce Market thus generating employment opportunities for local peasants and others. Following jobs were performed while reviewing credit facilities granted to the company: o Sanction of Working Capital Limits of INR 12.00 Crore (Including Export Packing Credit) o Sanction of Forward Contract/ Derivative Limits of 1.40 Crore valued at a notional amount of INR 7.00 Crore o Social Impact on account of progress of the Company Project Manufacturing of Ceramic Tiles Location Mansa, Gujarat Year 2014 Value INR 23.24 Crore (USD 4.65 Million) Position Credit Analyst Role Company is into manufacturing of vitrified tiles, a labour intensive industry helping in creation of job opportunities in locals and maintaining social balance in the vicinity. Following jobs were performed while annually reviewing credit facilities granted to the company: o Checking whether all the required approvals including environment impact clearance are in place and assessment of contingent liability arising out of its absence o Sanction of Working Capital Limits of INR 6.00 Crore o Assessment of Bank Guarantee Limits of INR 2.20 Crore o Assessment of Letter of Credit (LC) Limits of INR 2.00 Crore o Review of existing term loans of INR 13.04 Crore and monitoring progress of the project for which term loan was sanctioned o Assessment of environmental impact as Dyes has very high environmental impact & social safeguards for employees Project Manufacturing of Ceramic Tiles Location Himmatnagar, Gujarat
  6. 6. Year 2013 Value INR 6.75 Crore (USD 1.35 Million) Position Credit Analyst Role: Company is into manufacturing of vitrified tiles, a labour intensive industry helping in creation of job opportunities in locals and maintaining social balance in the vicinity. Following jobs were performed while annually reviewing credit facilities granted to the company: o Checking whether all the required approvals including environment impact clearance are in place and assessment of contingent liability arising out of its absence o Sanction of Working Capital Limits of INR 5.00 Crore o Assessment of Bank Guarantee Limits of INR 1.75 Crore o Assessment of environmental impact as dyes has very high environmental impact and social safeguards for employees

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