Smruti Rajan Shirke

Conducted financial and qualitative analysis for portfolio management and corporate lending in the Education and Logistics sectors, multiple mortgage/debt proposals ranging from EUR 10 -15 million Acquired new clients and liaised with internal and external stakeholders, negotiated financial covenants to ensure compliance, smooth deal execution of loan disbursement process. Identified credit and financial risks, cash flow models/forecasting in corporates

Conducted financial and qualitative analysis for large and very large corporate clients with turnover over EUR 300 million in the airport infrastructure sector. Prepared credit appraisal notes Provided financial and advisory solutions by offering tailored banking products Provided strategic guidance on risk management, cash flow optimization, & credit facilities. Business development through cross-selling and expanding business of liability products, negotiation of critical covenants for corporate clients.

Identified credit and financial risks in corporates for Infrastructure project finance deals, including Hydro Projects, Logistics, Wind Power, and Real Estate sectors. Conducted financial modelling, peer analysis, and drafted credit appraisal notes and term sheets. Valued infrastructure projects and managed portfolio monitoring to ensure financial stability and risk mitigation. Managed deals with mortgage/debt proposals ranging from EUR 8 million to EUR 30 million.

Sourced new clients and coordinated with large and mid-corporate clients through financial, credit, and qualitative analysis, identifying new business opportunities. Worked on Bloomberg Terminal to analyze, and monitor real-time financial market data, supporting investment decisions and client reporting Led client presentations and pitched solutions to meet business needs and expand partnerships. Achievement: Best presentation on Credit Analysis.