finance and operations intern

Jain International Trade Organisation - India; Surat; On-site; INR 300,000 - 540,000; Full time

Job summary

RANLY CORPORATE ADVISORY PVT LTD in Surat seeks an entry-level professional to support the project finance vertical. You will assist in CMA data prep, project reports, financial projections, loan proposals, and liaison with clients and bankers through sanction and disbursement processes for term loans, working capital facilities and subsidies.

The role involves preparing CMA data, project reports, and financial projections, coordinating with banks and clients to ensure smooth sanction and

Qualifications

• Prepare CMA data and project reports.
• Develop financial projections and loan proposals.
• Coordinate with clients and bankers through sanction, documentation and disbursement.

Responsibilities

• Project Report and CMA Preparation: Prepare CMA data — Forms I to VI covering past audited figures, provisionals, estimates and projections, MPBF computation, and fund flow.
• Build detailed project reports covering promoter background, project rationale, technical details, market study, means of finance, and implementation schedule.
• Prepare financial projections — projected P&L, balance sheet, cash flow, break-even analysis, DSCR, IRR, NPV, payback period and sensitivity analysis.
• Compute and validate key ratios expected by the bank — current ratio, TOL/TNW, DSCR (average and minimum), interest coverage, debt-equity and stock turnover.
• Ensure projections are internally consistent — capacity utilisation, sales realisation, raw material consumption, power and labour costs must tie back to the technical assumptions.
• Loan Proposal and Documentation: Compile the full loan application file — KYC of borrower and guarantors, constitution documents, audited financials of three years, GST returns, ITRs, bank statement analysis, sanction letters of existing facilities and CIBIL reports.
• Prepare bank statement analysis — average balance, credit summations, inward/outward return of cheques, overdrawing and EMI bounce history.
• Draft covering notes, deviation justifications and replies to bank queries.
• Handle proposals for term loans, cash credit, overdraft, LC/BG limits, bill discounting, equipment finance, LAP and lease rental discounting.
• Support applications under government schemes — CGTMSE, PMEGP, Mudra, MSME subsidy schemes, state industrial policy incentives, interest subvention and capital subsidy claims.
• Coordinate valuation reports, legal search reports, TEV studies and credit rating exercises with external agencies.
• Bank and Client Coordination: Act as the day-to-day point of contact with branch officials, credit processing cells, relationship managers and regional offices.
• Track proposals through appraisal, sanction, documentation, mortgage creation, charge registration and disbursal.

Job description

RANLY CORPORATE ADVISORY PVT LTD • Surat • Posted about 19 hours ago • Updated about 19 hours ago

Job Type: FullTimePermanent

Location: Surat

Work Mode: Onsite

Experience: EntryLevel

Travel Requirements: YES, CLIENT VISIT AND BANK VISIT

Skills:

To support the project finance vertical in preparing CMA data, project reports and financial projections, compiling loan proposals, and coordinating with clients and bankers through sanction, documentation and disbursement — for term loans, working capital facilities, subsidy-linked schemes and enhancement proposals.

Responsibilities

Project Report and CMA PreparationPrepare CMA data — Forms I to VI covering past audited figures, provisionals, estimates and projections, MPBF computation, and fund flowBuild detailed project reports covering promoter background, project rationale, technical details, market study, means of finance, and implementation schedulePrepare financial projections — projected P&L, balance sheet, cash flow, break-even analysis, DSCR, IRR, NPV, payback period and sensitivity analysisCompute and validate key ratios expected by the bank — current ratio, TOL/TNW, DSCR (average and minimum), interest coverage, debt-equity and stock turnoverEnsure projections are internally consistent — capacity utilisation, sales realisation, raw material consumption, power and labour costs must tie back to the technical assumptionsLoan Proposal and DocumentationCompile the full loan application file — KYC of borrower and guarantors, constitution documents, audited financials of three years, GST returns, ITRs, bank statement analysis, sanction letters of existing facilities and CIBIL reportsPrepare bank statement analysis — average balance, credit summations, inward/outward return of cheques, overdrawing and EMI bounce historyDraft covering notes, deviation justifications and replies to bank queriesHandle proposals for term loans, cash credit, overdraft, LC/BG limits, bill discounting, equipment finance, LAP and lease rental discountingSupport applications under government schemes — CGTMSE, PMEGP, Mudra, MSME subsidy schemes, state industrial policy incentives, interest subvention and capital subsidy claimsCoordinate valuation reports, legal search reports, TEV studies and credit rating exercises with external agenciesBank and Client CoordinationAct as the day-to-day point of contact with branch officials, credit processing cells, relationship managers and regional officesTrack proposals through appraisal, sanction, documentation, mortgage creation, charge registration and disb