Samudrala Basha
Chartered Accountant
Mangapeta
Summary
Credit Analyst with a robust background in financial analysis and portfolio management, honed at ICICI BANK and other leading firms. Excelled in leveraging Microsoft Excel to enhance credit risk assessment and financial forecasting, managing over 40 client portfolios. Proven expertise in underwriting and credit analysis, coupled with exceptional judgmental lending skills, driving significant risk mitigation and client satisfaction.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
3
3
Languages
Work History
Credit Manager
ICICI
09.2022 - Current
- Interacting with clients to understand their business model and funding requirements.
- Analyzing financial statements such as Balance sheet, Statement of Profit & Loss and Cash flow statement and performing Ratio analysis.
- Assessing limit eligibility of various lines of credit such as Overdrafts, Dropline overdrafts, Term loans, ECLGS, Letter of credit and Bank guarantees, based on financial, collateral and relevant program norms.
- Reviewing Cibil reports, RCU, Banking track of the customer and highlighting the identified discrepancies.
- Cross-validation of Projected financials based on customer inputs and market trends.
- Recommending Fresh Proposals/Enhancements/Reductions/Renewals upon customer's request
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
Paid Assistant
AASHISH JOSHI & CO
10.2018 - 07.2022
- Conducted Statutory audit of Private limited company’s including involvement in the preparation of audit plan and executing the plan along with monitoring and sometimes supervising team member’s work
- Maintenance of books of accounts in Tally ERP, QuickBooks and other client specific customized software including preparation of MIS reports on timely basis and ensuring statutory compliances related to TDS / TCS, Income Tax payments, PF, PT, ESI, GST
- Preparation and filing of Income Tax returns for Corporates, Firms and Individuals by considering the possibility of Tax reduction opportunities
- Preparation TDS workings for Individuals and Companies
- Dealing with Notices (GST, TDS & Assessment) received from Income Tax Departments & GST
Article Assistant
AASHISH JOSHI & CO
10.2015 - 10.2018
- Assisting the engagement manager in understanding the client, planning the audit strategy and identifying key risk factors
- Vouching and verification as subordinate and ledger scrutiny of books including Purchases, Sales, Inventory valuation and various balance sheet items
- Reviewing CARO applicability and preparing detailed notes as required under Companies Act
- Preparation and filing of Income Tax returns for Corporates, Firms and Individuals by considering the possibility of Tax reduction opportunities
- Preparation TDS workings for Individuals and Companies
- Dealing with Notices (GST, TDS & Assessment) received from Income Tax Departments & GST
Education
Chartered Accountancy - FINAL
ICAI
11.2018 - 05.2022
Chartered Accountancy - IPCC
ICAI
Chartered Accountancy - CPT
ICAI
B. Com - undefined
Indira Gandhi National Open University (IGNOU)
Class XII - undefined
Board of Intermediate
Class X - undefined
SSC
Skills
- Credit analysis
- Performance improvements
- Credit reports
- Risk analysis
- Risk assessments
- Customer engagement
- Policy application
- Risk mitigation
- Credit scoring
- Performance monitoring
- Financial forecasting
Timeline
Credit Manager
ICICI
09.2022 - Current
Chartered Accountancy - FINAL
ICAI
11.2018 - 05.2022
Paid Assistant
AASHISH JOSHI & CO
10.2018 - 07.2022
Article Assistant
AASHISH JOSHI & CO
10.2015 - 10.2018
Chartered Accountancy - IPCC
ICAI
Chartered Accountancy - CPT
ICAI
B. Com - undefined
Indira Gandhi National Open University (IGNOU)
Class XII - undefined
Board of Intermediate
Class X - undefined
SSC
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