1. Nipun Agarwal
IInd Floor, B-1/9&10,
Near postOffice, Malka Ganj,
Delhi-110007
Married, 33 years
E-mail:agarwalnipun15@gmail.com
Mobile: +91-9910036352,8192904593
Synopsis
 I am a Financial & Credit Risk Analyst with more than five years’ experience in Appraisal and
Monitoring of High value Credit proposals in Infrastructure & Non-Infrastructure space.
 As appreciation of my work, I was promoted to role of Manager – Project Finance in SBI, Project
Finance Division, after just 4 years of work.
 My quests for knowledge has led to me pursue Chartered Financial Analyst Level II from CFA
Institute, USA. I am a qualified Company Secretary and a law and commerce graduate from Delhi
University.
Areas of Exposure
 Appraisal and post sanction monitoring of
Term loans & Working capital.
 Credit Risk Analysis.
 Credit Ratings.
 Financial Modeling
Work Experience
State Bank of India Manager, Project Finance June, 2014-Till date
Responsibilities: Pre sanction project viability assessment, Project proposal evaluation & loan review,
Post Sanction monitoring, performing Lead Bank/TRA Agent Role.
Pre-sanction
 Review of Information Memorandum, Project Agreements including Concession and Power Purchase
contracts.
 Assessment of the financial and technical viability of the projects through industry and sectoral
analysis of the projects.
 Making recommendations for In-Principle approval for taking up the projects for detailed analysis for
sanction of term loans.
Sanction/Post Sanction
 Preparation and detailed analysis of financial model incorporating financial projections for the tenor
of loan.
 Preparation of project proposal for term loans & Working capital funding and assisting in presenting it
with recommendations before sanctioning committees.
 Negotiation with clients for finalization of term sheet and deal documentation.
 Review of loan documents to ensure compliance with the terms of sanction, guidelines of the bank
and RBI.
 Issuing of Lending Confirmation Notice and ensuring effective compliance of Pre-Commitment & Pre-
Disbursement Conditions.
Follow-up & Monitoring
 Handholding the projects in Infrastructure space for two years after start of Commercial Operations
of the project or till stabilization of repayments of the loans.
 Evaluation of the progress of the project as per project implementation schedule and drawdown
schedule, assessing the reasons for the variance from the schedules and taking corrective action.
 Monitoring the funds inflow and outflow in the Trust & Retention Account/Escrow account of the
projects.
 Liaising with Consortium member banks and other parties related to the project.
 Effective co-ordination with the Corporate clients for ensuring collection of overdues in stressed
accounts,
 Preparation of various credit and loan reports like irregularity reports, stressed assets monitoring
reports etc. for the Project Finance department in order to comply with the various MIS requirements
of the Bank.
 Facilitating the Credit Audit of the accounts handled by the team and ensuring the closure of the
audit remarks.

2. State Bank of India Deputy Manager, Project Finance April, 2010-June, 2014
 Sectors handled: Power (Solar, Wind & Hydro), Roads, Hotels & Transportation, Cement.
 Key accounts handled: Renew Wind Energy, Jindal ITF, VIL Limited
 Appraised approximately Rs. 40 billion of proposals for project financing (Fund & Non-Fund
based)
 Evaluating the feasibility of project through industry/business analysis, sector benchmarking, and
assessment of management quality.
 Preparation of financial model for the project.
 Conducting Credit ratings of the projects/clients to enable pricing of credit decisions based on the
indicative risk profile of the project.
 Assessment of project risks and suggesting suitable mitigants to ensure distribution of risks
among the various parties associated with the project.
 Preparation of project proposal for sanction by the credit committees.
 Coordination with various lenders’ consultants (LIE, LLC LIA) for ensuring due compliance of
the project with Insurance, Legal and Technical aspects.
 Formulation of term sheet and deal documentation.
 Periodical credit monitoring and carrying out Lead bank and Lender’s/TRA agent role.
Nipun Agarwal & Associates Proprietor, Practicing Company Secretary Mar 2009-Mar 2010
 Handling Registration and formation of the corporate entity, Filing of the regulatory compliances
under the MCA e-21 Project.
 Conducting the Secretarial Audit of the Companies.
 Corporate Advisory Services
 Advising & handholding the Export oriented Units to be compliant with US Customs CT-PAT
Guidelines.
Educational Background
Qualification
Name of
University/Institution
Subjects
Academic
Year
CFA Level I CFA Institute, USA 2012
Associate Company
Secretary
ICSI
Company, Labour, Economic &
Financial Laws
2009
LL.B.
CLC, Faculty of Law,
University of Delhi
Criminal, Civil, Family,
International Law
2006
B.Com. (Hons.) SRCC, University Of Delhi 2002
ISCE-XII Wilsonia College, Moradabad 1999
ICSE-X Wilsonia College, Moradabad 1997
Additional
Qualifications
CAIIB (Conducted by IIBF) 2014
Extra-Curricular Activities
Achievements  Awarded the Best participant at 123 SMTP of NIRC of ICSI.
 Won the scholarships awarded by Bank of Baroda for excellent performance in
class Xth and XIIth in the year 1997-98 and 1998-99 respectively.
Positions Held Worked as Co-convener of the corporate Law Society in the year 2004-05 while
pursuing LL.B.
Participations Participated in the National Seminar on WTO and INDIAN ECONOMY – BASICS
OF THE NEW WORLD TRADE ORDER organized by Centre for Law, Intellectual
property and trade at Indian Law Institute, New Delhi in the year 2004-2005.