Smarth Goyal

Background

About Smarth Goyal

Skilled Banking Professional with 6+ years of experience in SME Lending, Credit and Business analysis. Proficient Proficient in sourcing business, Financial Analysis, CMA punching, credit & ratio analysis and portfolio handling. Adept at liaising between sales, operations and shareholders, seeking to leverage skills and experience as a Credit Analyst.Ensure stability of total ecosystem income from existing set of clients and explore avenues for new income generation from existing as well as new clients.Add value to the client and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loan and project finance.Create proposals for clients with 20 Cr to 250 Cr portfolio size using credit knowledge and knowledge of various products for deal structuring.Responsible for preparation of CMA along with banking & financial analysis in order to facilitate preparation of CAM Liaison up with Credit, legal, mortgage, transaction and other verticals to ensure final disbursementResponsible for managing trade finance, general blog operation for cash management services i.e, working capital cycle for companies in portfolio and growing the book sizeMaintain CEO/CFO relationships with SMEs to originate business Achieve individual targets and grow account profitability, while maintaining a high service standard and complianceEnsure strict adherence of compliances in coherence with guidelines by Bank and RBI along with conformance with legal and mortgage guidelines.