Aditya Malhotra

Senior Commercial Credit Analyst

Contact

Mumbai, Maharashtra, India

aditya.malhotra@email.com

+91 98765 91823

linkedin.com/in/adityamalhotra-credit

Skills

Financial Statement Analysis

Risk Assessment & Mitigation

Cash Flow Modeling

Underwriting Standards

Loan Structuring

Portfolio Management

Debt Service Coverage Ratio (DSCR)

Covenant Compliance Monitoring

Certifications

Chartered Financial Analyst (CFA)

Jan, 2018

CFA Institute, USA

Chartered Financial Analyst (CFA Charterholder)

Chartered Accountant (ACA)

Jan, 2017

Institute of Chartered Accountants of India (ICAI)

Chartered Accountant (ACA)

Education

Master of Business Administration

Jun 2015 - May 2017

Jamnalal Bajaj Institute

Location: Mumbai

Summary

Analytical, risk-focused Senior Commercial Credit Analyst with 7+ years of experience in corporate credit appraisal, large-ticket loan underwriting, and working capital assessment across premier Indian public/private sector banks and NBFCs. Expertise in CMA data analysis, financial modeling, collateral valuation, and RBI regulatory guidelines (Large Exposure Framework, Prudential Norms, Restructuring Frameworks). Proven track record of evaluating and sanctioning INR 4,200+ Crores in fund and non-fund-based credit facilities, maintaining a sub-0.3% NPA slippage rate, and presenting risk mitigation memos to executive credit sanction committees.

Work experience

Senior Commercial Credit Analyst – Mid & Large Corporate Group

Apr 2022 - Present

HDFC Bank

Location: Mumbai

Underwrite and manage a commercial credit portfolio exceeding INR 2,800 Crores across Manufacturing, Pharmaceuticals, Infrastructure, and Auto Ancillary sectors (borrower turnover INR 100 Cr – 1,500 Cr).
Formulate comprehensive Credit Appraisal Memos (CAMs), evaluating company business models, industry risks, peer benchmarking, financial statements, and end-use verification.
Compute fund-based and non-fund-based limits using MPBF (Maximum Permissible Bank Finance) and cash budget methods, optimizing borrower capital structures while securing robust collateral buffers.
Spearhead periodic quarterly reviews, covenant compliance checks, and drawing power (DP) recalculations based on monthly stock and book debt statements.

Credit Analyst – SME & Mid-Market Banking

Jul 2019 - Mar 2022

ICICI Bank

Location: Mumbai

Appraised 120+ credit proposals encompassing new sanctions, limit enhancements, and annual renewals for mid-corporate clients with an aggregate sanction value of INR 1,400+ Crores.
Conducted in-depth CMA analysis, sensitivity testing, and break-even evaluations, identifying margin pressures and working capital cycle elongations under various economic stress scenarios.
Performed on-site factory and business unit visits to inspect inventory levels, capacity utilization, labor dynamics, and operational bottlenecks prior to underwriting.

Projects

Syndicated Consortium Term Loan Structuring (INR 450 Cr)

Jan 2023 - Dec 2023

Role: Lead Underwriting Analyst

Acted as lead underwriting analyst for an INR 450 Crore greenfield manufacturing setup in Gujarat under a 4-bank consortium.
Built a dynamic DCF and sensitivity financial model assessing debt sizing, DSCR headroom (maintaining min 1.35x), and moratorium structuring aligned with commercial operation dates (COD).