1. Core Competencies
Corporate Finance
Credit Analysis - Large Ticket
Advances
Financial Planning
Portfolio Management
Financial Modelling
Risk Assessment
Environmental Compliances
Internal Audit / Controls
Team Management
Export Finance
Versatile, high energy professional with nearly 6 years of experience in credit analysis,
targeting senior level assignments in Credit Analysis/ Financial Planning and
Monitoring preferably in Banking/ Financial Services industry
Profile Summary
Skilled at appraising credit proposals & scrutinizing relevant documents before
sanctioning / disbursing the credit, ensuring compliance with organizational
credit policies
Insightful experience in regulating the portfolio from INR 6.75 Crore (USD 1.35
Million) to worth portfolio size of INR 1350 Crore (USD 208 Mio)
Manage day-to-day operational risk management activities such as risk and
controls assessments, incident capture and analysis, and scenario analysis and
planning
Experience in creating investment portfolio for industries like Ceramics,
Textile, Organic/Inorganic/Agro Chemicals, Auto Ancillary, Electrical and
Electronic Equipment, Infrastructure, EPC Contractors, Pharmaceuticals, Low
Cost Housing and Trading
Rich knowledge of preparing reports with sound understanding of the business
process and maintaining the same for future reference
Exposure in identifying/adopting emerging trends & addressing industry
requirements to achieve organizational objectives & profitability norms
Soft Skills
Key Projects Handled
Assignment of Bank’s
Exposure to Asset
Reconstruction
Company (ARC) INR
302.05 Cr
Manufacturing of High
Chromium Wear Parts
used in Process of
Crushing/Grinding in
the Cement INR 204
Crore
Manufacturing of
Agro Chemicals
INR 205.00 Crore
(USD 43.85 Million)
TAUHEED AHMAD
tauh.ahmad@gmail.com
+91-9662257609
Change Agent
Motivational
Leader
Thinker
Collaborator
Communicator
Planner
Manufacturing of
Organic, Inorganic
and Fine Chemicals
INR 285 Crore
(USD 60.41 Million) (USD 40.80 Million) (USD 41.00 Million)

2. Work Experience
Since May’11 with State Bank of India, as Credit Analyst Present Posting at Baroda
Key Result Areas:
Analysing the financial statements, appraisal of loan proposals, risk rating of borrowers and all other formalities related
to pre disbursement as per the regulatory authority’s requirements
Leading the assessment of project proposal with complete market analysis, technical analysis, financial modelling and
plan, risk assessment - economic, social safeguards, environmental compliances
Regulating financial appraisal of the loan proposals (new as well as existing) including risk rating of mid-corporate clients
for their fund requirements
Processing and ensuring completion of processing activities and disbursement of loans maintaining turnaround time
Creating the new credit facilities for the ongoing entities of portfolio, renewal of these facilities for existing units through
the departmental process at periodical intervals
Verifying and ensuring that information submitted by clients are as per the credit norms of bank using various tools and
resources viz. CMA, internal rating, CBDT website, MCA website
Identifying improvement areas & implementing measures to maximize customer satisfaction levels
Ensuring continuous interaction with the customer to make sure that area of concern can be worked upon for improved
service levels
Preparing reports with a view to monitor the performance & efficiency of team members; ensuring compliance with pre-
set quality parameters
Leading internal audit / risk assessment engagements to identify risks and assess whether adequate controls exist to
mitigate the same
Significant Accomplishments:
Identified significant control breach in mortgage registration process, resulting in avoidance of a INR 302.05 Crores loss
Support Prasad Multi Services Pvt. Ltd.’s core risk management corporate initiatives including the New Initiatives Process
(NIP), Management Self Identification of Issues (MSIs), Management Control and Awareness Rating (MCAR), Operational
Risk Profiles, and so on
Planned, completed and led risk based audits for all units in portfolio, support and operational departments
Officiated branch of SBI in absence of branch manager
Merit of being promoted to Scale II after confirmation due to exceptional performance during the probation period and
attaining good marks in confirmation test
Successfully opened 111 savings bank account in a day responding to a campaign launched by the bank
Generated cross selling business for the banks
Education
B.Sc. (Computer Science) from University of Allahabad, Allahabad in 2007
MBA (Corporate Management) from University of Lucknow, Lucknow in 2011
Trainings Attended
Training and Conference on “Branch Management and Technological Aspects” of banking at State Bank Academy and
State Bank Foundation Institute
Training on Corporate Finance and Monitoring of Advances at State Bank Academy
Training on Critical Analysis of Balance Sheet at State Bank Academy
Qualified Associate of Indian Institute of Banking and Finance (JAIIB and CAIIB)
Compatibility Based Training (CBT) and Conference at Infosys BPO Ltd.
Certified Insurance Facilitator (CIF) for life insurance business
Personal Details
Date of Birth: October 15, 1988
Languages Known: English, Hindi
Address : C/o State Bank of India, Industrial Finance Branch, 4th Floor, Mid Town Heights, Jetalpur Road, Vadodara - 390007

3. Annexure
Project: Manufacturing of Ball Bearing Cages for Automobile Industry
Location: Ahmedabad, Gujarat
Year 2015
Value INR 48 Crore (USD 9.60 Million)
Position Credit Analyst
Role: The company is in manufacturing of ball bearings cages mainly used in automobile industry. Company
employs more than 500 workers. Following jobs were performed while reviewing credit facilities granted to the company
o Renewal of Fund Based Working Capital of 30 Crore and NFB (LC) of INR 3.00 Crore (Including Export Packing Credit)
o Sanction of Forward Contract/ Derivative Limits of 1.00 Crore valued at a notional amount of INR 50 Crore
o Assessment and Sanction of Bills Discounting Limits (Under LC/ Non LC)
o Issuance of Letter of Comfort for an Exposure in China
o Review of existing Term Loans, review of project parameters and its progress
o Assessment of environmental and social safeguards and mitigation thereon
Project Manufacturing of Agro Chemicals
Location Vadodara, Gujarat
Year 2014
Value INR 205.00 Crore (USD 41.00 Million)
Position Credit Analyst
Role The unit was putting up a Brownfield expansion plant for manufacturing of Active Ingredients. They had
lined up a private equity investor. Following aspects of were examined before NOC for the said transactions were issued:
o Assessment of valuation of company and private equity
o Impact on Networth of the Company
o Status of stake holding in the company after the infusion of equity
o Process of infusion of funds and mode of its maturity
o Overall impact of the infusion of the funds on Bank’s exposure to the company
o Assessment of environmental and social safeguards and mitigation thereon
Project Manufacturing of High Chromium Wear Parts used in Process of Crushing/Grinding in the Cement, Mining
and Thermal Power Industries and Trading of Media Grinding Balls only for exports.
Location Changodar / Bavla, Ahmedabad, Gujarat
Year 2014
Value INR 204 Crore (USD 40.80 Million)
Position Credit Analyst
Role Company is listed on India Stock Exchanges and one of the largest manufacturers of high chromium wear
parts in the world. Reviewed credit facilities granted to the company:
o Assessment of Bank Guarantee Limits of INR 50.00 Crore
o Sanction of Forward Contract/ Derivative Limits of 54.00 Crore valued at a notional amount of INR 2700 Crore
o Sanction of Working Capital Limits of INR 100 Crore (Including Export Packing Credit)
o Assessment of environmental and social safeguards and mitigation thereon
Project Assignment of Bank’s Exposure to Asset Reconstruction Company (ARC)
Location Ahmedabad
Year 2015
Value INR 302.05 Crore (USD 60.41 Million)
Position Credit Analyst
Role Company is manufacturer of Home Textiles and listed on Indian Stock Exchanges. Company was not adhering
to environmental safeguards for waste material and water treatment and was forced to shutdown operations by regulatory
authorities. The Account was facing financial and business constraints due to contingent liability arising out of it. It had been
restructured twice including financial assistance for setting up an Effluent Treatment Plant (ETP). However, efforts of
consortium led by State Bank of India failed to revive the unit so the exposure was sold to ARC. Following duties were
performed:
Assessment of valuation of the account to arrive at a “Reserve Price” which will serve as the minimum price at the auction for
sale to ARC. Reserve price is based on:
o Value of the underlying assets, their quality, useful life, location advantage, ownership, realizable value
o Chances of revival of the unit, viability of business model
o Status of legal action, if any
o Growth rate / potential of the sector / economy
o Resolution / carrying cost of the asset
o Expected rate of return on investment
o Adherence to the statutory requirements including environment and social safeguards guidelines and mitigation thereon

4. Project Construction of Residential Building
Location Ahmedabad
Year 2016
Value INR 52.00 Crore (USD 10.40 Million)
Position Credit Analyst
Role The firm proposed for construction of a high rise building with a total project cost of INR 176 Crore. Firm
requested for sanction of working capital of INR 52.00 Crore. Following jobs were undertaken:
o Background check for promoters / partners
o Validation of cost of project with the engagement of services of professionals
o Obtaining required approvals such as Approved Plan, Commencement Certificate, Environmental Impact Clearance, Fire
NOC
o Techno-Economic Feasibility of the project
o Assessment of working capital requirement based on cash budget method
o Chalking out a plan for disbursement of loan and monitoring of the progress of the project as per sanctioned terms.
o Assessment of social safeguards.
Project Recalling of Advance and Initiation of Legal Action
Location Ahmedabad, Gujarat
Year 2015
Value INR 92.75 Crore (USD 18.55 Million)
Position Credit Analyst
Role Company is an Engineering Procurement and Construction (EPC) Contractor. Account had turned NPA
despite various measures including CDR taken by the consortium. In view of same, it was decided to recall the asset. Following
procedure was followed:
o Assessment of environmental and social safeguards and mitigation thereon
o Proposal for recalling of advance to get the approval from the concerned authority of the Bank and initiating steps to exit
from CDR Mechanism
o After approval, initiation of legal action including filing of recovery suit with Debt Recovery Tribunal (DRT)
Project Trading of Detergent and Petro Chemicals
Location Gujarat
Year 2014
Value INR 205.00 Crore (USD 41.00 Million)
Position Credit Analyst
Role Following jobs were performed while reviewing credit facilities granted to a group of three companies:
o Sanction of Working Capital Limits of INR 127.00 Crore
o Sanction of Forward Contract/ Derivative Limits of 10.40 Crore valued at a notional amount of INR 520.00 Crore
o Assessment of Letter of Credit (LC) Limits of INR 60.00 Crore
o Assessment of Bank Guarantee Limits of INR 8.00 Crore
o Assessment of environmental and social safeguards and mitigation thereon
Project Proposal for Release of Property
Location Himmatnagar, Gujarat
Year 2014
Value INR 4.00 Crore (USD 0.80 Million)
Position Credit Analyst
Role Analysis of Company’s request for release of property held as collateral with bank, feasibility of the request
and impact of release on Bank’s existing exposure on the Company.
Project Manufacturing of Dyes and Intermediates (Chemicals)
Location Kadi, Gujarat
Year 2015
Value INR 25.00 Crore (USD 5.00 Million)
Position Credit Analyst
Role Company is in the manufacturing of the chemicals and dyes for industrial usage. Following jobs were
undertaken while reviewing the credit limits of the Company:
o Sanction of Working Capital Limits of INR 18.00 Crore (Including Export Packing Credit)
o Review of existing corporate loans of INR 1.68 Crore
o Sanction of Forward Contract/ Derivative Limits of 1.28 Crore valued at a notional amount of INR 64.00 Crore
o Assessment of Letter of Credit (LC) Limits of INR 6.00 Crore
o Checking whether all the required approvals including environment impact clearance are in place and assessment of
contingent liability arising out of its absence

5. o Assessment of environmental impact as Dyes has very high environmental impact and social safeguards for the
employees.
Project Manufacturing of Home Textiles
Location Ahmedabad, Gujarat
Year 2014
Value INR 25.00 Crore ( USD 5.00 Million)
Position Credit Analyst
Role Annual Review of Credit Facilities (Export Credit) sanctioned to the company along with assessment of
company’s request for the enhancement in working capital credit limits
o Sanction of Working Capital Limits of INR 19.00 Crore (Including Export Packing Credit)
o Assessment of Ad-hoc Limit of INR 3.00 Crore
o Review of existing term loans and corporate loans of INR 1.68 Crore
o Sanction of Forward Contract/ Derivative Limits of 0.82 Crore valued at a notional amount of INR 41.00 Crore
o Assessment of Bank Guarantee Limits of INR 0.50 Crore
o Checking whether all the required approvals viz. environment impact clearance are in place and assessment of contingent
liability arising out of its absence
o Assessment of environmental impact as Dyes has very high environmental impact and social safeguards for the
employees
Project Erection & Commissioning of Transmission lines &Substation structures on Turnkey
Location Rajkot, Gujarat
Year 2015
Value INR 50.00 Crore (USD 10.00 Million)
Position Credit Analyst
Role Account had become NPA. We as lenders, tried to revive the unit including restructuring which failed. In view
of same, Bank decided to recall the asset. Following duties were performed:
o Proposal for recalling of advance to get the approval from the concerned authority of book
o After approval, initiation of legal action including filing of recovery suit in Debt Recovery Tribunal (DRT)
o Assessment of environmental and social safeguards and mitigation thereon
Project Trading of Agro Commodities (Export)
Location Mehsana, Gujarat
Year 2014
Value INR 13.40 Crore (USD 2.68 Million)
Position Credit Analyst
Role Company is engaged in processing and trading of agriculture commodities sesame seeds, fennel and spices
with a reported turnover of more than INR 100 Crore during FY 15. Company procures material from the local Agriculture
Produce Market thus generating employment opportunities for local peasants and others. Following jobs were performed
while reviewing credit facilities granted to the company:
o Sanction of Working Capital Limits of INR 12.00 Crore (Including Export Packing Credit)
o Sanction of Forward Contract/ Derivative Limits of 1.40 Crore valued at a notional amount of INR 7.00 Crore
o Social Impact on account of progress of the Company
Project Manufacturing of Ceramic Tiles
Location Mansa, Gujarat
Year 2014
Value INR 23.24 Crore (USD 4.65 Million)
Position Credit Analyst
Role Company is into manufacturing of vitrified tiles, a labour intensive industry helping in creation of job
opportunities in locals and maintaining social balance in the vicinity. Following jobs were performed while annually reviewing
credit facilities granted to the company:
o Checking whether all the required approvals including environment impact clearance are in place and assessment of
contingent liability arising out of its absence
o Sanction of Working Capital Limits of INR 6.00 Crore
o Assessment of Bank Guarantee Limits of INR 2.20 Crore
o Assessment of Letter of Credit (LC) Limits of INR 2.00 Crore
o Review of existing term loans of INR 13.04 Crore and monitoring progress of the project for which term loan was
sanctioned
o Assessment of environmental impact as Dyes has very high environmental impact & social safeguards for employees
Project Manufacturing of Ceramic Tiles
Location Himmatnagar, Gujarat

6. Year 2013
Value INR 6.75 Crore (USD 1.35 Million)
Position Credit Analyst
Role: Company is into manufacturing of vitrified tiles, a labour intensive industry helping in creation of job
opportunities in locals and maintaining social balance in the vicinity. Following jobs were performed while annually reviewing
credit facilities granted to the company:
o Checking whether all the required approvals including environment impact clearance are in place and assessment of
contingent liability arising out of its absence
o Sanction of Working Capital Limits of INR 5.00 Crore
o Assessment of Bank Guarantee Limits of INR 1.75 Crore
o Assessment of environmental impact as dyes has very high environmental impact and social safeguards for employees