I am semi chartered accountant having versatile knowlegde in Management & Finance 1.analysis 2.cash flow analysis 3.excel tally sap 4.finance 5.financial statement analysis 6.credit rating(worked with various banks in india in credit departmemnt) 7.business rating 8.cashflow ratio 9.debt ratio 10.efficiency ratios 11.profitability ratios 12.forex accounting +hedging • Analysis of the Business and the Industry Category • Financial Statement Analysis for Strengths and Weaknesses • Cash Flow Analysis and Projections for Loan Repayment • Collateral Analysis • Analysis of Credit Risk • Adequate Loan Structure and Pricing