Bharti Soni

—Ensure that the work is planned, organized and performed by self and team by guiding them and performing upfront / postmortem reviews on deliverables to ensure Quality and timely delivery of work with Efficiency

— For identified and approved engagements/projects, perform US Senior level reviews for work prepared by GDC teams

— Raise any issues identified on a timely basis to the GDC managers, rotational and ET, as well as seek possible resolution from them

— Understand and capture comments during Quality and Risk Management team (QRM) review and from ET to provide feedback to team for self and team development

— Work on improvement in audit work papers based on ET feedback — Identify more areas of work on US audits and transition those to GDC

— Identify opportunities to standardize and optimize audit processes across a portfolio of clients and industries

— Demonstrate professionalism, industry competence and clarity of communication when dealing with the ET

— Develop self by participating in and developing others by facilitating audit conceptual trainings and ensuring that team members are trained

• Credit analysis and Underwriting for Mortgage, auto loan and Home Loan which includes evaluation of financials and Non financials factor for different industries.
• Managing entire process of credit application for Mortgages
• On site visit to clients of different industries in order to understand their business model, income generation and risk associated with that.
• Managing post disbursement documents and partly disbursed cases
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Referred delinquent accounts to collections department or outside resources.

Internal SOX Audit –

▪ Selection of SOX Samples on Judgmental Basis.

▪ Checking of internal compliance of samples based on supporting

Reporting, Coordination and Communication –

▪ Preparation of MIS reports for key indicators on Daily and monthly basis.

▪ Coordination with statutory and internal auditors.

▪ Communication and Coordination with various Departments including Technical, Legal, FI Agencies, PD Agencies, Sales Department and Branches

Training -

▪ Training to Various Branch Officials, DMA and Team Members regarding Mortgage Process compliance

 Performing Credit appraisal of mortgage loan applications and approving or recommending further as per policy defined
ensuring the TAT is maintained.
 Conducting Personal discussion with customer at client's business site and understanding business model.
 Experience of handling high value deals proposed in Credit Forums.
 Delivering sanction value of Rs 50 million on an average on month on month basis.
 Managed Location-Kota, Rajasthan having team of 4 sales managers, 2 channel partners and 4 subordinates for a period
of 2 years, currently handling DSA channel at Jaipur and DSA and Branch channel both for Location-Ajmer, Rajasthan.
 Experience of handling entire Balance Transfer Management along with compliance of Post Disbursement condition and
Monitoring the facility.
 Managing and coordinating with valuation/Legal/FI agency for conducting the nature of work as per scope and framed
guidelines by Bank.

 Practical exposure of finalization of Annual Reports including Auditor's Report, Standalone and consolidated Financial Statements.
 Internal & Concurrent Audits of various companies engaged in different industries.
 Executed detailed audit procedures involving review of transactions, records, documents etc., ledger scrutiny, ensuring
statutory compliance with tax laws, AS (ICAI),
 Finalization of accounts of entities.
 Also handled other works like certification work, financial projections and assisted with minutes, ROC filing, notice and
resolutions drafting work, etc

▪ Performed Statutory Audit, Limited Review and Internal control system implementation of 8+ listed and non-listed companies including finalization of balance sheet.

Prepared and filed income tax returns, performed tax audits,

▪ Carried out Bank Audits Prepared half yearly/ annual financial statements along with variance analysis for the companies in the manufacturing,retail and service sector.