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Resume Sharad

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Sharad Srivastava

Sharad Srivastava is seeking a career opportunity where he can utilize his skills and knowledge to contribute to organizational success. He has over 5 years of experience in credit risk assessment and financial analysis. Currently, he works as a Trainee Analyst at SMERA Ratings Limited, where he conducts financial statement analysis, recommends credit ratings, and interacts with clients. Previously, he worked as a Financial Analyst appraising loan applications from SMEs. He holds an MBA in Finance and HR and has technical skills in MS Office, Tally, and the internet.

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CURRICULUM VITAE Sharad Srivastava S 51 A Pandav Nagar Delhi-110092 Contact No. 09958995045 E-mail: Sharadsmera@gmail.com CAREER OBJECTIVE - To enhance and utilize my skills and knowledge in an ethical manner which will lead to the successful growth of the organization as well as land me a successful careers. WORK EXPERIENCE - SMERA Ratings Limited. Designation: Trainee Analyst (Corporate Ratings) Function- Bank loan Credit Rating Duration: 28th Feb 2014 Till Date. KEY RESPONSIBILITIES - Functional Responsibility / Domain Related Transforming balance sheet into Spreadsheet. Undertake financial statement analysis, which includes balance sheet and ratio analysis. Recommend ratings, based on detailed analysis about Business, Finance, Management Scenario Analysis, SWOT Analysis, Peer Comparison. Sensitivity analysis. Process Adherence Write rating credit notes, based on financial and business risk analysis. Presenting the report into Rating Committee. Write the credit report for Press release /Public Domain. Help the teams in executing tasks, and monitor timeliness and quality of output. Client Management / Stakeholder Management Conducting the site visit of the client for better clarity of their business across India. Interact with clients to understand their business models and projections. Interact with Banker to know about the Outstanding Loans status. Explaining client the rating rationale.
Cases Handled Agarwal Packers & Movers Limited. KLA India Public Limited. K. S. Agro Foods Limited. DRS North Warehousing India Private Limited. India Exposition Mart Limited (Expo Mart). Suncity Projects Private Limited. Unitech Group, etc. PREVIOUS WORK EXPERIENCE - G.K.C Management Services Pvt. Ltd. Designation: Financial Analyst (Small Medium Enterprises) Function- Bank loan Credit Appraisal Duration: 12th Dec 2012 to 27th Feb 2014. KEY RESPONSIBILITIES - To analyze the credit worthiness of the SMEs, as aspirants of the loan applied from a particular bank such as (HDFC, Fullerton India, Reliance Home Finance, Magma, Religare, IIFL, TATA Capital, Citi Bank, DCB, GE Money and Edelwise). Coordinate all types of Loans such as Auto Loan, Personal Loan, LAP, PFI, PD, CPA, End Use Monitoring, Edelwise CPA, and L.I.P of All Banks. Preparing of Re-assessed Profit & Loss Account & Balance Sheet on the Excel Sheet on the basis of own assumptions and market trends. To Re-assess the operational risks inherent in the business, taking account of changing economic or market conditions, legal & regulatory requirements. To undertake complex industry, competitor and client level analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs. To assess the risk involved in the proposal made by the client to the bank and to prepare reports on clients credit appraisal on the basis of personal discussion. PROFESSIONAL EDUCATION - M.B.A. (Finance + HR) from IIMT College of Management affiliated to Mahamaya Technical University, Noida U.P (2012) with 64%. ELECTIVES - Finance (Major) Human Resource (Minor) EDUCATIONAL QUALIFICATION - B.COM from University Of Allahabad in 2010 with 50%. Intermediate from CBSE Board in 2007 with 67%. High School from CBSE Board in 2005 with 52%. PROJECT DETAILS -
Completed six weeks (22 JUNE - 02 AUG 2011) of Summer Training Project Report on Financial Analysis of Hindalco Ind. Ltd. & Comparison with Nalco at HINDALCO IND. LTD. an enterprise of Aditya Birla Group at Renukoot, (U.P) ADDITIONAL QUALIFICATION - O. Level from UPTEC, Allahabad 2007. D.F.A from Govt. Computer Center 2009. TECHNICAL KNOWLEDGE - Packages : MS Office ,Tally Others : Internet, EXTRA CURRICULAR ACTIVITIES - Won Basketball Tournament at school level. ADDITIONAL INFORMATION - Hobbies: Listening to music, watching cricket, Playing Computer Games. KEY SKILLS & CORE COMPETENCIES - Credit Risk Assessment. Strong Analytical Skills. Numerical solving Skills. Ability to convince while maintaining professionalism. Focused and objectivity in Work. Punctuality with high degree of Accuracy level. PERSONAL DETAILS - Name Mr. Sharad Srivastava Fathers Name Mr. Rajesh Srivastava Mothers Name Mrs. Seema Srivastava D.O.B February 11, 1990 Gender Male Marital Status Single/Unmarried Language Known English and Hindi Contact No. 09958995045 Nationality Indian Email sharadsmera@gmail.com DECLARATION - I hereby declare that the above written particulars are true to best of my knowledge and belief.
Date: Place: New Delhi Sharad Srivastava

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Resume Sharad

  • 1. CURRICULUM VITAE Sharad Srivastava S 51 A Pandav Nagar Delhi-110092 Contact No. 09958995045 E-mail: Sharadsmera@gmail.com CAREER OBJECTIVE - To enhance and utilize my skills and knowledge in an ethical manner which will lead to the successful growth of the organization as well as land me a successful careers. WORK EXPERIENCE - SMERA Ratings Limited. Designation: Trainee Analyst (Corporate Ratings) Function- Bank loan Credit Rating Duration: 28th Feb 2014 Till Date. KEY RESPONSIBILITIES - Functional Responsibility / Domain Related Transforming balance sheet into Spreadsheet. Undertake financial statement analysis, which includes balance sheet and ratio analysis. Recommend ratings, based on detailed analysis about Business, Finance, Management Scenario Analysis, SWOT Analysis, Peer Comparison. Sensitivity analysis. Process Adherence Write rating credit notes, based on financial and business risk analysis. Presenting the report into Rating Committee. Write the credit report for Press release /Public Domain. Help the teams in executing tasks, and monitor timeliness and quality of output. Client Management / Stakeholder Management Conducting the site visit of the client for better clarity of their business across India. Interact with clients to understand their business models and projections. Interact with Banker to know about the Outstanding Loans status. Explaining client the rating rationale.
  • 2. Cases Handled Agarwal Packers & Movers Limited. KLA India Public Limited. K. S. Agro Foods Limited. DRS North Warehousing India Private Limited. India Exposition Mart Limited (Expo Mart). Suncity Projects Private Limited. Unitech Group, etc. PREVIOUS WORK EXPERIENCE - G.K.C Management Services Pvt. Ltd. Designation: Financial Analyst (Small Medium Enterprises) Function- Bank loan Credit Appraisal Duration: 12th Dec 2012 to 27th Feb 2014. KEY RESPONSIBILITIES - To analyze the credit worthiness of the SMEs, as aspirants of the loan applied from a particular bank such as (HDFC, Fullerton India, Reliance Home Finance, Magma, Religare, IIFL, TATA Capital, Citi Bank, DCB, GE Money and Edelwise). Coordinate all types of Loans such as Auto Loan, Personal Loan, LAP, PFI, PD, CPA, End Use Monitoring, Edelwise CPA, and L.I.P of All Banks. Preparing of Re-assessed Profit & Loss Account & Balance Sheet on the Excel Sheet on the basis of own assumptions and market trends. To Re-assess the operational risks inherent in the business, taking account of changing economic or market conditions, legal & regulatory requirements. To undertake complex industry, competitor and client level analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs. To assess the risk involved in the proposal made by the client to the bank and to prepare reports on clients credit appraisal on the basis of personal discussion. PROFESSIONAL EDUCATION - M.B.A. (Finance + HR) from IIMT College of Management affiliated to Mahamaya Technical University, Noida U.P (2012) with 64%. ELECTIVES - Finance (Major) Human Resource (Minor) EDUCATIONAL QUALIFICATION - B.COM from University Of Allahabad in 2010 with 50%. Intermediate from CBSE Board in 2007 with 67%. High School from CBSE Board in 2005 with 52%. PROJECT DETAILS -
  • 3. Completed six weeks (22 JUNE - 02 AUG 2011) of Summer Training Project Report on Financial Analysis of Hindalco Ind. Ltd. & Comparison with Nalco at HINDALCO IND. LTD. an enterprise of Aditya Birla Group at Renukoot, (U.P) ADDITIONAL QUALIFICATION - O. Level from UPTEC, Allahabad 2007. D.F.A from Govt. Computer Center 2009. TECHNICAL KNOWLEDGE - Packages : MS Office ,Tally Others : Internet, EXTRA CURRICULAR ACTIVITIES - Won Basketball Tournament at school level. ADDITIONAL INFORMATION - Hobbies: Listening to music, watching cricket, Playing Computer Games. KEY SKILLS & CORE COMPETENCIES - Credit Risk Assessment. Strong Analytical Skills. Numerical solving Skills. Ability to convince while maintaining professionalism. Focused and objectivity in Work. Punctuality with high degree of Accuracy level. PERSONAL DETAILS - Name Mr. Sharad Srivastava Fathers Name Mr. Rajesh Srivastava Mothers Name Mrs. Seema Srivastava D.O.B February 11, 1990 Gender Male Marital Status Single/Unmarried Language Known English and Hindi Contact No. 09958995045 Nationality Indian Email sharadsmera@gmail.com DECLARATION - I hereby declare that the above written particulars are true to best of my knowledge and belief.
  • 4. Date: Place: New Delhi Sharad Srivastava