Bibek Agrawal

Responsibilities:

• Evaluation of Self-employed cases in terms of Income Appraisal.
• Adherence to Internal Policy Norms & auditing of existing portfolio with any deviation to be highlighted.
• Monitoring of portfolio of personal and business loan on Pan India basis in terms of Delinquency, Early Mortality,30+ cases, 60+ cases and higher delinquent cases.
• Identification of the fresh flow analysis based on portfolio trend, location , method & zone wise and Preparation of month-wise summary report.
• Assisting the external auditors(GT)during audits & providing the clarification for observation made/resolution of the audit queries.
• Preparation of month-wise Waterfall analysis based on the key factors i.e. CC utilization, Cibil, Banking turnover, Unsecured loan, Turnover etc.
• Responsible for assessment of Financials and Ratio analysis i.e. Working capital gap assessment,
• Calculation of the key Ratio-Norms like Debt Equity ratio, Adjusted tangible Net worth, Leverage ratio, DSCR, FOIR, Fund diversion etc.
• Accountable for doing the Good & Bad Analysis like preparing the early warning signals for customers those might do the bad performance.
• Securitization of portfolio for Business loan & Personal Loan ( Pan India), Scope of work being:-
• I) Preparing Securitization Deal wise Pay-out MIS & releasing of payout.
• Ii) Coordination with Trust & Investors regarding Securitization Pay-out.
• Iii) Accounting Entries of Deal wise Pay-out in SAP & Updating Monthly Deal Cash Flow & maintain Master sheet of all Deals.
• Iv) Reconciliation of Pay-out MIS with SAP GL’s.
• V) Tracking New Securitization Deals with Analytical Team.
• Vi) Preparation of summary structure of Securitization Portfolio for presentation to manager.
• Vii) Preparing Outstanding Interest Working of all Securitization Deals.

Responsibilities:

• Preparation of Accounts up to finalization & preparation of Balance sheet.
• Computation of GST Liability as well as Reconciliation & filing of GST Returns.
• Preparation of certification form for FR.
• Preparation and annual filling of Income Tax Return of Corporate & Firms & TDS Return.
• Physical verification of Inventory of corperates. Filling of Income Tax Return of Individual.

Responsibilities:

• Annual return filling of Proprietor, Corporates, Firms & Ngo’s .
• Preparation of Accounts upto finalization & computation of TDS liability.
• Filling of TDS return & Income Tax report.
• Documentation of foreign remittance like 15CA/CB & Tan No. application.

Responsibilities:

• Carry out Special investigation Audit of Health sector.
• Carry out Audit of Banking Services Like Concurrent Audit & Statutory Audit.
• Check the Internal control of Educational Sector.
• Preparing Accounts of Ngo’s as well filling quarterly TDS return.