finance and operations intern

JITO; Surat; On-site; INR 180,000 - 280,000; Full time

Job summary

RANLY CORPORATE ADVISORY PVT LTD in Surat is seeking an entry-level finance professional to support the project finance vertical. You will prepare CMA data, project reports and financial projections, and coordinate with clients and bankers through sanction and disbursement.

This role involves compiling loan proposals for term loans, working capital facilities and government schemes, and assisting in bank documentation, KYC, GST returns, and credit queries.

Qualifications

• Prepare CMA data and project reports for term loans and working capital.
• Coordinate with clients and bankers through sanction, documentation and disbursement.
• Compute and validate key projections and ratios for bank review.

Responsibilities

• Prepare CMA data I–VI including past figures and projections.
• Build detailed project reports covering rationale, technicals, and schedule.
• Prepare financial projections: P&L, balance sheet, cash flow, DSCR, IRR.
• Compute ratios: current, debt, DSCR, interest coverage.
• Prepare loan applications with KYC, GST, ITRs, bank statements.
• Coordinate with branch officials and credit processing teams.

Skills

CMA data preparation

Loan proposals coordination

Bank coordination

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