Summary
Overview
Work History
Education
Skills
Personal Information
Languages
Hobbies and Interests
Timeline
Generic

ANIL SHARMA

Bhiwadi

Summary

Energetic professional successful at motivating and building positive team dynamics to accomplish aggressive goals. Dedicated to open, communicative culture where employees feel empowered to contribute to company's success.

Overview

12
12
years of professional experience

Work History

ACM (Team Leader)

Mahindra Finance
01.2024 - Current
  • Underwritten credit proposal Rs
  • 30 Crs for LAP, Machinery Loan & Business Term Loan exposures to SME Group
  • Underwritten credit appraisal from Login to Disbursement of SME loans
  • Analyzed credit risk of corporates basis industry, business profile, management, financials, banking and dedupe
  • Analysed assessment of LAP & Term loans on the basis of Cash Profit, GST, Banking Surrogate, Low LTV, Gross Margin etc
  • Analysed debt servicing ability & prepared sensitivity analysis to assess credit risk associated with term loans
  • Underwritten credit appraisal from Login to Disbursement
  • Prepare Credit Assessment Memo, Banking & GST Perfios, and Dedupe reports (like FI, FCU, Astute, Legal & Technical)
  • Co-ordinations with Legal team and Property valuation team and respond to query and resolve it
  • Observations for all login proposals checklist documents with help of CPA's
  • Looking after all CRM, DMS & Polaris software report & entries.

Credit Manager

ICICI Bank limited
04.2024 - 01.2024
  • Underwritten credit proposal upto Rs
  • 40 Crs for working capital & term loan exposures to SME Group
  • Analyzed credit risk of corporates basis industry, business profile, management, financials, banking and dedupe
  • Undertook annual review & AQR of existing client basis compliance of covenant, banking & financials
  • Processed post sanction matter for existing clients for change in sanction terms due to business requirement
  • Analysed assessment of working capital credit limits on the basis of MPBF method and turnover method
  • Analysed debt servicing ability & prepared sensitivity analysis to assess credit risk associated with term loans
  • Prepared risk rationale for recommending working capital & term loan exposures to Sanctioning Authority
  • Prepared Credit Authorisation Memo (CAM) for underwriting credit proposals
  • Ensuring timely processing of proposals with adherence to credit policies, internal policies and RBI guidelines.

Account Head

M/s IHUB EXPRESS PVT LTD, Delhi (Authorised logistics Partner of Amazon, Flipkart & Myntra)
07.2017 - 03.2022
  • Serve as the lead point of contact for all customer account management matters, Negotiate contracts and close agreements to maximize profits
  • Ensure regional customer initiatives align with company's global strategic logistics goals
  • Participant in RFQ bidding for Part truck load, Co-loading & Full truck load
  • Perform periodic review as part of the cost control mechanism
  • Competent to review existing processes and recommend audits & controls
  • Ensure impeccable billing to customer, timely collection, receipt & payment, taxation and audit matter.

Internal Auditor

M/s Goyal & Associates, Rajasthan
04.2016 - 06.2017
  • Worked as independent internal auditor of various bank's (50 branches all over Uttarakhand)
  • Verifications of loans and advances (Cash Credit, Overdraft, Home loan & term loans)
  • Checking the loan repayment schedules and examining the reported non-performing assets
  • Checking for the KYC norms and supporting documents
  • Verifications of sundry deposits, Investments and fixed deposit receipts
  • Verifications of Cash balance & ATM balance and demonetization reporting to RBI
  • Verifications of Land development bank agricultures advances and OTS rebate issued by Central government
  • Preparation of long form audit report, Tax audit, Annexure A (NPA's).

Article Assistant

M/s Chachan & Lath, Delhi
02.2013 - 02.2016
  • Participant as a team member in statutory audit of various private limited companies (conducting Vouching of Purchase, Sales, Cash and Journal, Verification of Fixed Assets and Inventory, Checking of Revenue Recognition, Scrutiny of Statutory Dues, Scrutiny of Receivable & Payable, Loans & Advances ledger's and Bank Reconciliation, Reconciliation of TDS with Books and 26AS)
  • Participant as a team leader in Concurrent Audit of Depository Participant (conducting verification of KYC norms, Instruction Slip, Market Trades, Grievance Redressal Mechanism, Records to be Maintained by DPs)
  • Successfully completed CDSL'Audit & Compliance Training Programme held by Central Depository Services (India) Limited (Mumbai)
  • Preparation of accounts & finalization of balance sheets of various companies/firms
  • Filing of income tax returns for various assesses
  • Bank branch audits as per the regulatory requirements.

Education

M.Com -

IGNOU
01.2014

CA-IPCC -

ICAI
11.2013

B. Com. -

University of Bikaner
01.2012

Class XII -

Ajmer Board
01.2009

Class X -

Ajmer Board
01.2007

Skills

  • Underwriting credit proposals
  • Financial Acumen
  • Goal-Oriented
  • MS Office proficiency (Excel, Word, PowerPoint, Outlook)
  • Software proficiency (SFDC,I-cos, Colors,CompuTax, Tally, Busy, Microsoft Navision, Omni, Finacle,)

Personal Information

  • Relocation: Perfectly mobile to work anywhere in India/Overseas
  • Date of Birth: 06/15/93

Languages

  • English
  • Hindi

Hobbies and Interests

  • Interacting with people
  • Learning about new technologies
  • Appreciating music

Timeline

Credit Manager

ICICI Bank limited
04.2024 - 01.2024

ACM (Team Leader)

Mahindra Finance
01.2024 - Current

Account Head

M/s IHUB EXPRESS PVT LTD, Delhi (Authorised logistics Partner of Amazon, Flipkart & Myntra)
07.2017 - 03.2022

Internal Auditor

M/s Goyal & Associates, Rajasthan
04.2016 - 06.2017

Article Assistant

M/s Chachan & Lath, Delhi
02.2013 - 02.2016

M.Com -

IGNOU

CA-IPCC -

ICAI

B. Com. -

University of Bikaner

Class XII -

Ajmer Board

Class X -

Ajmer Board

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