Devendra Rathore
ID: CCE202651
Devendra Rathore
ID: CCE202651
- Madhya Pradesh, India
Devendra Rathore
ID: CCE202651
About Devendra Rathore
Result-driven Credit Analyst with 2+ years of experience in SME & Agri-SME underwriting, working capital assessment, and portfolio monitoring. Seeking an on-roll Credit Analyst / Assistant Manager role to contribute strong financial analysis and credit appraisal expertise.
Employment History
Kotak Mahindra BankInvite company
4th Dec 2024 to Present
Associate manager
4th Dec 2024 to Present
Salary Package
Salary Hidden
Roles & Responsibility
Conduct credit appraisal for Agri-SME proposals above 2Crs. CMA & Cash Flow Assessment including WC, CC, OD, and NFB limits. Analyse borrower financials, cash flows, bank statements, and industry risks. Structure fund-based & non-fund-based facilities as per internal credit policy. Collaborate with RM, Risk, and Compliance for smooth processing and TAT adherence. Monitor portfolio health, conduct renewals, and ensure regulatory compliance.
Skills
- Banking Relationships
- CMA
- Commercial Banking
- Credit Analysis
- Financial Analysis
Verification Pending
HDFC BankInvite company
1st Sep 2023 to 28th Nov 2024
Relationship manager
1st Sep 2023 to 28th Nov 2024
Salary Package
Salary Hidden
Roles & Responsibility
Handled relationships of rural, agri, and SME enterprises including traders & processors. Conducted preliminary credit assessment, financial verification & business viability checks. Coordinated for sanction, documentation & disbursement of working capital limits. Ensured ongoing portfolio monitoring, renewal processing, and delinquency control. Achieved cross-sell targets across CASA, insurance, and third-party products.
Skills
- Client Co-ordination
- Portfolio Management
- Relationship Building
- Sales
- Negotiation Skills
Verification Pending
Education
MBA in finance
IPS Academy, Indore
1st Oct 2021 to 31st Aug 2023
Master of Business Administration in Finance
IPS Academy IBMR
1st Nov 2021 to 1st Aug 2023 (Expected)
Bachelor of Commerce in Taxation
Harda degree college
1st Jun 2019 to 1st Aug 2021 (Expected)
Expertise
Credit Appraisal & Underwriting
5/5
Financial Statement Analysis
5/5
CMA & Cash Flow Assessment
5/5
Working Capital & Term Loan Structuring
5/5
Risk Assessment & Mitigation
5/5
DSCR
4/5
Ratio analysis
4/5
Portfolio Monitoring & Compliance
4/5
NWC
3/5
Lingo
English
Verbal
5/5
Written
5/5
