CA Preshita Agrawal
Regional Credit Manager
Summary
Experienced Regional Credit Manager with expertise in credit assessment, risk analysis, and portfolio management across diverse industries. Skilled in financial statement analysis, due diligence, and structuring credit facilities to ensure prudent lending decisions. Strong focus on regulatory compliance, risk mitigation, and NPA management while driving efficient credit approvals and portfolio quality.
Overview
8
8
years of professional experience
Work History
Regional Credit Manager
ICICI Bank
11.2021 - Current
- CMA & Credit Assessment – Expertise in preparing CMA data and conducting in-depth financial analysis, including industry and company performance reviews, to support high-value loan decisions.
- Loan Sanctioning & Policy Compliance – Proficient in approving large-ticket loans while ensuring adherence to RBI guidelines and internal credit policies for a strong loan portfolio.
- Risk Analysis & Portfolio Management – Performed defaulter checks (CRILC, CIBIL, RBI database) and developed risk mitigation strategies to minimize NPAs and enhance portfolio quality.
- Process Improvement & Stakeholder Coordination – Streamlined credit approval processes for faster decisions, improved customer satisfaction, and engaged with senior management for efficient credit structuring.
- Regulatory & Risk Compliance – Collaborated with compliance, legal, and risk teams to ensure seamless loan sanctioning while mitigating potential financial and operational risks.
Articleship Trainee
MRCA & Associates
03.2017 - 03.2020
- Analyzed draft financial statements, including notes to accounts, to ensure compliance with the Companies Act, 2013, and applicable Accounting Standards.
- Led statutory, tax, and internal audit processes by devising audit plans, managing execution, and ensuring timely completion.
- Conducted financial risk assessments, managed profitability, and handled scrutiny cases under Section 143(3) for effective representation before tax authorities.
- Ensured accurate computation and e-filing of income tax, TDS, and GST returns while maintaining regulatory compliance and optimizing tax efficiency.
Education
Institute Of Chartered Accountants Of India -
Chartered Accountant ( CA)
04.2001 -
Skills
- Credit risk assessment
- Financial Analysis & CMA Preparation
- Portfolio management
- Stakeholder & Cross-Functional Coordination
- Busywin, ERP, Tally, Ms Excel,
Extra-Curricular Activities
- Anchored school events & MCS training sessions.
- Engaged in social initiatives organized by CICASA, Raipur.
- Actively participated in sports, cultural programs, and quiz competitions.
Accomplishments
- Exemption in SFM and Laws in CA Final examination
- Exemption in Cost Accounting & Financial Management in CA intermediate examination
- Awarded prizes for chess, debate, essay and story writing competition
- Received prize for topper in class 10th and class 12th
Timeline
Regional Credit Manager
ICICI Bank
11.2021 - Current
Articleship Trainee
MRCA & Associates
03.2017 - 03.2020
Institute Of Chartered Accountants Of India -
Chartered Accountant ( CA)
04.2001 -
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