1. RENNY RICHARD CRASTO
OBJECTIVE:
To become part of an enterprising organization in the capacity of a Credit Analyst – Eager to work with individuals and
large businesses alike, maintaining the highest standards in the best interests of all parties.
WORK EXPERIENCE
Employer: RAK Bank
Designation: Credit Analyst, SME Department Business Banking
Tenure: Since April 2015 till date
Job Description:
• Financial statement analysis.
• Analyzing financial ratio, cash flow and fund flow.
• Bank Statement review and analysis.
• Drafting credit proposal and pre loan sanction process.
• Tracking downgraded accounts, blacklisted accounts and skip cases.
• Initiating action: filing criminal cases, civil case & reporting to collection department.
• Monitoring past due accounts, internal watch-listed accounts & OLEM accounts.
• Preparing Internal MIS reports.
Employer: Karnataka Bank LTD (Location: Mumbai India)
Designation: Corporate Credit Officer
Tenure: Sept 2011 – March 2015
Job Description:
• Analysis of Statement of Accounts for Corporate Loan Proposals.
• Effectively assessed credit risk and (current and potential) client viability, analyzing financial statements and cash
flow of customers.
• Performed (quantitative and qualitative) analysis of requests for loans and lines of credit.
• Provided customer service support and professional financial guidance.
• Prepared written credit-approvals and denials.
• Fostered productive relationships with both internal and external clients.
• Documentation work pre and post sanction of Corporate Loan Proposals.
• Preparing Ratio Analysis, Cash Flow Statement, Fund Flow Statement and Networth Statement.
• Analyzing the Projected Statement of Accounts and Projected Profit Statement.
• Handled Retail Banking activities like ATM Card, Internet Banking, Gift Card, Credit Card.
• Handled Cash Counter, Current Counter, Saving Counter and Fixed Deposit Counter.

2. Employer: - P.N Subramanian & Co. (Chartered Accountant Firm) Tenure: June 2007 – July 2011
Designation: FINANCIAL ANALYST
Job Description:
• Maintaining Books of Accounts and filling Income tax returns of Individuals / Firms/ Companies
• Assisting Chartered Accountant in conducting statutory audits, tax audits and internal audits.
• Preparing Networth Statement, Cash flow Analysis and assisting clients acquire business loans.
• Preparing Salary Statements and Tax Computation.
• Assisting in Audit of Firms and Companies
• Preparing presentations and conducting seminars for the Accounts Departments of Companies.
EDUCATIONAL QUALIFICATION:
EDUCATIONAL QUALIFICATIONS
Course University / Board Specialization % Year of Passing
CA INTER
Institute Of Chartered
Accountants of India Finance
Pass 2010
Masters of
Commerce (M Com)
Mumbai University
Finance
1st
Class 2012
Bachelor of
Commerce(B Com)
Mumbai University
Finance
1st
Class 2009
H.S.C. Maharashtra Board Commerce 1st
Class 2006
CERTIFICATIONS
• Professional Accountant Certification conducted by Bombay Chartered Accountants Society
• Certification of SME Finance for Banker conducted by Indian Institute of Banking & Finance
• Certification of Anti-Money Laudering and KYC conducted by Indian Institute of Banking & Finance
• Certified Associate of Indian Institute of Banking (CAIIB) conducted by Indian Institute of Banking & Finance
• Junior Associate of Indian Institute of Banking (JAIIB) conducted by Indian Institute of Banking & Finance
TECHNICAL SKILLS
• ITT Computer Training Course [250 Hrs.] from Institute of Chartered Accountants of India
• Certification course in Microsoft Word, PowerPoint & Advance Excel
• Masters in Tally 9.0 ERP.
• Knowledge of Internet.
• Finacle Core Banking Software.

3. PERSONAL DETAILS
Gender : Female
D.O.B. : 05/07/1988
Language Proficiency : English, Hindi, Marathi, Konkani
Address : 1101 Hitoff II, Al Nadha II, Dubai P.O Box No: 474036
E-Mail Id : renny.crasto@gmail.com
Contact no : 052 8739133
Passport : G4315588 , Dependent Residential Visa of UAE
AREAS OF INTEREST
• Organizing events
• Listening to music