Smruti Apte

Background

About Smruti Apte

Banking professional with 7 years of experience in Credit Analysis, Risk Management; Credit Monitoring. • Responsible for handling Credit Appraisal of Large Corporate Advances (Fund based and Non Fund based) for clients. • Handling the entire pre and post sanction activities of Large Corporate accounts including project evaluation/appraisal, compliance, disbursement, review /renewal and further monitoring of credit accounts. • Processing of credit proposals (Rs. 100 crores and above) for New Clients as well as Existing Clients. • Conducting Consortium Meetings (wherever lead bank) or attending of consortium meetings timely, Annual Inspections. • Ensuring adherence to policies of the bank and streamlining various credit operations & analysis • Well versed in Project finance • Dealing with clients from various sectors like infrastructure, commercial real estate, automotive manufacturers, Oil and Steel, travel and tourism, ports, power, entertainment industry, etc • Evaluating risk such as business risk, financial risk, management risks via Risk Assessment Model and credit rating.