Management Financial

NIHAR KUMBLE

*** ***** ****** ** #*** Rochester Minnesota 408-***-**** ***********@*****.***

Objective: Application for the Credit Analyst opening. Professional Summary:

Experienced certified management accountant with hands on experience of credit analysis who has worked closely with senior bankers and institutional clients in understanding and mitigation of lending risk. Skilled at financial statement analysis, cash and fund flow statement analysis and ratio analysis. Strong current knowledge of the fast developing macroeconomic trends and exposure to multiple industries from a credit perspective.

Core Qualifications:

Have an extensive experience in handling multiple projects and assignments with tight timelines.

Adept at building and analysis of complex financial models using MS Excel.

Comfortable interacting and presenting information to senior executives.

Strong team work skills, comfortable coordinating with multiple departments.

Thorough understanding of US GAAP and IFRS.

Focus on continuing skill development, currently pursuing Financial Risk Management (FRM) certification. Ready to enroll immediately for any further certifications that might be required for fulfillment of responsibilities as a credit analyst. Professional Certifications:

Certified Management Accountant (Institute of Management Accountants, USA) 2015.

Cost &Management Accountant (The Institute Of Cost Accountants Of India) 2010. Education:

BSC Chemistry 2006 - Fergusson College – University of Pune, India. – Graduated with Distinction

Higher Secondary Certificate Examination 2003- First Class EAD Status: EAD was issued, I can work in the USA without visa sponsorship EAD Details: USCIS no 118280885 Card # 1A081527433742 Experience:

Deutsche Bank AG, Mumbai- India. - Fixed Term Assignment: March 2011-September 2012

Part of the Institutional Client Group (ICG) which interacts with banks and financial institutions in India to provide a wide spectrum of financial solutions and products. Some of my responsibilities were as follows:

Preparing documents such as Information Memorandum for the initial sales pitch to the banks, credit memo for clients management committee, coordinate with legal team for documentation

Query handling (regarding the company, the transaction structure, the financial model etc.) for investors interested in the transaction. Preparation of the note for NBG and credit memo for management committee of the Government promoted public banks.

Participate in arranging and trading Government Securities, Non Convertible Debentures/Bonds and other money market instruments for various financial institutions India. Contribution in notable deals:

USD 500 million (foreign currency borrowing) transaction syndicated by Deutsche Bank for Adani Power Limited.

INR 5 billion (USD 100 million) loan facility for Fullerton India.

Syndicating a INR 25.60 billion (~USD 400 million) term loan for a telecom company

INR 34.65 Billion(~USD 500 million) project finance for a Transmission Line project in Utter Pradesh, India

USD 140 Million(foreign currency borrowing)Term Loan Facility for Bharat Oman Refineries Limited

USD 150 Million Term Loan Facility for a pharmaceuticals company MyCapital Financial Services Pvt Ltd, Mumbai- India. - Fixed Income-Dealer: April 2013- June 2014

Role involved the placement of primary Commercial Papers and dealing of Commercial Papers, Certificate of Deposits and Non Convertible Debentures in the secondary market

Active engagement with AMCs and banks to provide them with the best possible prices and two ways in CDs, CPs and NCDs in the segment/tenor of their interest

Serviced clients across leading domestic and international financial institutions such as: HSBC Mutual Fund, Deutsche Mutual Fund, Deutsche Bank, Canara Bank, Axis Bank. Avasas Pack & Print Pvt Ltd- Finance:

June 2014- October 2015

Inventory and Material control

Preparation of Cost Sheet and Budgeting.

Preparation of Cash Flow and Fund Flow Statement

Appraisal of Bank Loan & Project Report Work

Akzo Nobel India Ltd-Business Finance Executive:

October 2010 – March 2011

Management Reporting of CBGM (Cost Below Gross Margin)used for variance analysis of regional budgets

Reconciliation, management reporting and analyzing variances of dealer rebates

Reconciliation of Bank cash management System

Union Engineering

2006 – OCTOBER2010

Family enterprise engaged in manufacturing specialized gear-box casting. Some of the areas of contribution to business are detailed as below:

Budget and capital management:

Costing and preparation of quotation for development of new castings. Extensive use capital budgeting techniques to evaluate profitability of investing in the machine – the live experience was a great experience during formative years

Business Research & Business Enhancement:

Responsible for the research for the machinery and arriving at options for investment with a view to enhance productivity and efficiency for cost reduction in the manufacturing process REFERENCES: Can be provided on request from previous employers

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