Cooking
Aman Gupta
Manager, Credit & Operations
C-86, Pushpanjali Enclave, Pitampura, Delhi
Summary
Service-oriented professional with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
10
10
years of professional experience
8
8
years of post-secondary education
Work History
Manager
Union Bank of India
Delhi
11.2017 - Current
- Assisted the manager in the daily operations of the branch, effectively supervising all aspects of the day-to-day procedures.
- Acquired, retained and expanded new and existing customer long-term relations through identifying cross-sell opportunities.
- Understood and evaluated financial statements, performed detailed financial analysis, and determined credit risk of customers and analyzed credit information to determine whether or not to provide any credit facility to specific customers.
- Performed underwriting of small corporate, SME and MSME project financing under Priority sector while analyzing overall risk & exposures of customers, risk assessment, internal/external rating, etc.
- Approved loans for various client bases within specified limits and delegation, and referred loan applications outside those limits to higher authorities for approval.
- Collected and attained relevant financial information from clients, to aid in credit opportunities that provided additional capital for the expansion of their business and/or to satisfy gaps in their cash flow.
- Managed and monitored the post-sanction process of the allocated loan portfolio, including documentation, ROC charge creation, Mortgage execution, legal vetting of documents and disbursements etc.
- Monthly/periodical monitoring and reporting of the overdue positions, recovery, limits utilization, AML alerts etc.
- Ensured that the organizations' activities are carried out in accordance with all regulatory, legal, and governmental regulation.
- Maximized the relationship growth of the company by utilizing cross-sell opportunities of multiple products and referring to the appropriate channels such as financial advisors, loan officers, and relationship managers.
- Ensures that all work prepared is timely and turned around within department guidelines and with the utmost accuracy.
- Maintained professional, organized, and safe environment for employees and patrons.
- Maximized performance by monitoring daily activities and mentoring team members.
- Monitored and analyzed business performance to identify areas of improvement and make necessary adjustments.
Audit Assistant
AMRG Associates
Delhi
01.2014 - 12.2016
- Performed auditing work in accordance with rigorous auditing standards and principles.
- Worked audit engagements for industries in engineering, manufacturing, non-profit and human resources.
- Established audit and internal control procedures and recommended process improvements to address issues.
- Reviewed general ledger transactions to identify errors or irregular entries.
- Identified various risks and errors to propose corrective action to decision makers.
- Assessed financial statements and records.
- Completed audits in accordance with regulations and procedures.
- Handled planning and budgeting for audit engagements.
- Reviewed accounting clients' financial data systems to determine functional compliance.
- Analyzed trends in financial data to investigate fluctuations.
- Performed extensive assessments of assets, liabilities and equity to verify accuracy in financial reports.
- Provided administrative and management assistance to auditor and directed activities in office.
- Performed analysis and research to compile data to submit to auditor for special projects.
- Drafted findings and recommendations into detailed reports.
- Evaluated program objectives and procedures and applicable regulations to perform thorough and complete audit.
- Created thorough audit reports with results, recommendations and conclusions.
- Prepared year-end journal entries to prepare for annual audit.
- Monitored department compliance with laws, regulations and codes.
- Prepared balance sheets.
- Developed audit scopes and audit programs.
- Supervised assigned accounting staff to evaluate performance and maintain standards.
Education
Sr. Secondary High School -
St. Prayag Public School
Delhi 04.2008 - 03.2009
Bachelor of Commerce - Financial Accounting, Tax, Law
Delhi University
Delhi 07.2009 - 03.2012
CA Inter -
Institute of Chartered Accountants of India
Delhi 07.2009 - 06.2013
JAIIB - Banking & Finance
Indian Institute of Banking & Finance
Delhi 06.2018 - 06.2018
CAIIB - Banking & Finance, International Banking
Indian Institute of Banking & Finance
Delhi 11.2018 - 11.2018
Certified Course On MSME - Certificate in MSME Lending & Restructuring
Indian Institute of Banking & Finance
Delhi 04.2001 -
Skills
Strong customer service skills with the ability to handle a variety of customer situations, sometimes simultaneously with a strong attention to detail
Basic knowledge of all retail products and services, applicable bank and branch policies, procedures and support systems
Ability to multitask, highly adaptable to change and ambiguity
Ability to work as a part of the team, with strong relationship and networking skills
Solid work ethic and decision making skills
Strong organizational skills
Ability to work well under pressure
Strong presentation and communication skills
Interests
Reading Novels and Self Help Books
Writing Poetry
Listening to Music
Timeline
CAIIB - Banking & Finance, International Banking
Indian Institute of Banking & Finance
11.2018 - 11.2018
JAIIB - Banking & Finance
Indian Institute of Banking & Finance
06.2018 - 06.2018
Manager
Union Bank of India
11.2017 - Current
Audit Assistant
AMRG Associates
01.2014 - 12.2016
Bachelor of Commerce - Financial Accounting, Tax, Law
Delhi University
07.2009 - 03.2012
CA Inter -
Institute of Chartered Accountants of India
07.2009 - 06.2013
Sr. Secondary High School -
St. Prayag Public School
04.2008 - 03.2009
Certified Course On MSME - Certificate in MSME Lending & Restructuring
Indian Institute of Banking & Finance
04.2001 -