Tisha Patel

At Sara Finance, I analyse MSME credit cases by reviewing financial statements, bank statements, and CIBIL/CRIF reports. I assess repayment capacity using DSCR, TOL/TNW, and current ratio.

I prepare and review CMA data, including historical and projected financials and working capital requirements. I also examine banking conduct and borrower-level indicators such as overdue obligations and SMA/NPA risks.

I prepare credit proposals and assess cases against lender-specific policies, including review of collateral and financing options. I participate in client discussions and PD calls, and coordinate with clients and lenders through appraisal, sanction, and disbursement.

Previously, at Patel Dairy Firm, I maintained accounts receivable and cash transaction entries in Tally and managed customer milk orders through the company app. As an Intern at Inventure Growth & Securities, I prepared presentations on stock market concepts and mutual fund fundamentals and supported market research.