Credit Analysis

• Analyze corporate credit proposals by evaluating financial statements, cash flows, and business performance.
• Assess borrowers' creditworthiness using financial ratios, industry benchmarks, and risk assessment methodologies.
• Prepare detailed credit appraisal reports with clear recommendations.
• Evaluate repayment capacity, leverage, liquidity, profitability, and cash flow adequacy.

Financial & Risk Assessment

• Conduct comprehensive financial analysis, including:
  • Ratio analysis
  • Cash flow analysis
  • Debt Service Coverage Ratio (DSCR)
  • Leverage and liquidity assessment
  • Sensitivity and stress testing