1. Rakesh D. Shah
(CFA Level 1 - CFA Institute USA & CFA - ICFAI University)
Email: rakeshshahcfa@yahoo.in Contact no: +91-8401311388
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PROFESSIONAL EXPERIENCE
Since: Jan-2016 till
present
IDFC Bank
Ahmedabad
Chief Manager -Credit
Analyst
Small Medium Enterprise
Key Responsibilities
• Has been part of SME team in portfolio building and processed new to bank proposals of entities with turnover
ranging from Rs.75 Crs to Rs.500 Crs.
• Also processed cases for Mid-Market depending upon the occupancy levels with aggregate exposure of Rs.70 Crs.
• Was responsible for processing entire end to proposal starting from CAM preparation, various facility eligibility
analysis (includes assessment of funded & non-funded facilities along with term exposure), due diligence, client
interaction & management discussion, along with detailed analysis of business, operational, financials,
management & industry profiles.
• Responsible for identification of strengths, weaknesses, risk, anomalies deviations associated with the proposal
and highlight the same to decision making authorities with mitigations if any for efficient decision making.
• Undertaking management discussion and site visit of client to have clear business insight along with operating
efficiency.
• Have been working closely with credit risk team and relationship management teams while preparing CAM with
utmost diligence and care to create Firm Asset base for bank.
• Also have been undertaking monitoring of customers for fund utilization and covenant monitoring post
disbursement to ensure quality of asset and identification of any deterioration well in advances
Key Responsibilities
Since: Dec-2013 Standard Chartered Bank
- Ahmedabad
Credit Analyst Small Medium Enterprise
Job Responsibilities
• Worked as Credit Analyst in SME team at Ahmedabad over proposals ranging from turnover of Rs.50-500 Crs.
• Key responsibility includes providing valuable inputs to risk underwriting team post undertaking extensive
analysis of all business, financial, operational and management profile along with industry scenario analysis.
Credit assessment manual includes assessment of funded as well as non-funded facilities.
• Also interacted with client to have discussion and site visit for clear business insight along with operating
efficiency understandings.
• Summarizing the complete analysis in CAM report and recommending to the extend the fitment of proposals in
bank’s risk function and policies.
• Monitoring function of portfolio which include funded and non-funded facilities utilization, covenant compliance
(both financial and non-financial), industry monitoring and
Since: Dec-12 to Dec-13 The Ahmedabad Mercantile Co. Op Bank
Limited (Ahmedabad)
Credit Officer
Key Responsibilities
• Supervised a Team of 3 people in Credit Department at head office of the Bank
• Worked directly under DGM and CEO of bank for appraisal of NTBs and timely review of existing asset portfolio.
• Was responsible for preparation of complete credit assessment memo (CAM) containing detailed analysis of all
business, financial, operational, management and industry profiles.
• Was also participating in presentation of CAM to decision making authorities of bank i.e. Board of Directors.
Since: Jul-11 to Nov-12 Credit Analysis & Research Limited
(CARE Ratings) - Ahmedabad
Credit Analyst (Corporate Debt
Rating)
Key Responsibilities
• Analyzing cases received for rating BASEL II, NSIC and SME framework for ability to repay debt obligation of
the entity
• While assigning ratings, business, financial, operational & management profile supported by industry outlook are
factored in along with analysis of industry peers.
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2. • Interaction with Auditors, Bankers, Customers and Suppliers for analyzing the trade as well commercial practices
adopted by the client. Also undertaking Bank statement analysis to examine conduct of account
• Preparation of Credit Rating Report and presentation the same to Rating Committee for assignment of Rating to
entities under consideration
Since October 10 Credit Analysis and Research Limited Jr. Consultant
Key Responsibilities:
• Acquiring and analyzing the Audited Annual Reports regarding all financial and operational aspect of the
company which opts for the rating facility from CARE Rating.
• Analyzing all financial aspects i.e., Profitability, Coverage Ratios, and Turnover Ratios, Capital structure ratios
etc.
• CMA Analysis
EDUCATION
Year Institute Percentage
June 2012 CFA Level I (USA) -
2008-10 MS Finance (ICFAI) 64%
2008-09 CFA (ICFAI) 69%
2008-09 Adv. Diploma in Finance (ICFAI) 69%
2008-09 Diploma in Business Finance (ICFAI) 81%
2003-06 B. Com (Gujarat University) 66%
2002-03 HSC (Commerce, Gujarat Board) 74%
2000-01 SSC (General, Gujarat Board) 78%
Computer Proficiency
Operating Systems : Windows 2007
Programming Skills : MS Office (Word, Excel, PPT, Outlook)
Web Technologies : Internet explorer and other web based software of Bank
Personal Details
Date of Birth : 16th
July, 1986
Gender : Male
Marital Status : Married
Languages Known : English, Hindi, Gujarati, Spanish
Permanent Address & Current Address : F/2, New Arpana Flats, B/h Paldi Bus-Stop, Paldi,
Ahmedabad-380007
Email Id : rakeshshahcfa@yahoo.in
Mobile No. : +91-8401311388
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