Kritika Sharma

• Underwrote and managed working capital credit exposures up to ₹100 million for SME clients across manufacturing, trading, and service sectors.
• Conducted financial statement analysis, ratio analysis, and dues vs obligations analysis to assess borrower creditworthiness.
• Drafted detailed credit appraisal notes (CAMs), incorporating risk assessment, industry outlook, and financial viability.
• Collaborated with business teams for client evaluation, policy adherence, and structuring customized financial solutions.
• Ensured timely renewals and monitoring of portfolio quality through regular review of account performance and compliance.
• Reduced TAT (Turnaround Time) for credit approvals by streamlining assessment workflows:

- From 3 days to 1 day for cases up to ₹20 million

- From 5 days to 3 days for cases up to ₹50 million

- From 7 days to 5 days for cases up to ₹100 million

• Tools used: Excel (data validation), internal credit engines.

• Conducted statutory and tax audits for clients across industries: IT (Softobiz), Education (PTU, Mayor Chand), Banking (J&K Bank), Manufacturing (Jagdambay Industries, Hindustan Hydraulics P Ltd).
• Finalized books of accounts, prepared audit reports, and performed ledger scrutiny.
• Filed Income Tax, GST, and TDS returns, managed assessments, and drafted responses to tax notices.
• Assisted in tax planning, litigation support (drafting appeals to CIT), and client advisory.
• Tools used: Tally, Excel, GSTN portal, Income Tax portal.