Bishal Agrawal
Chartered Accountant
Noida
Summary
Driven by a results-focused approach, I leveraged financial planning and teamwork skills at HDFC Bank to enhance loan approval processes and client financial health, achieving significant efficiencies. My expertise in financial software and adherence to accounting principles ensured compliance and optimized financial performance across roles.
Overview
6
6
years of professional experience
Work History
Relationship Manager, Business Loan Group
HDFC Bank
04.2024 - 09.2024
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Ensured credit policies were properly applied throughout the underwriting process while maintaining responsiveness to client needs.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Negotiated loan terms and conditions with customers to secure best deal.
Financial Transaction Executive
Rudra Tech EST.
08.2022 - 02.2024
- Demonstrated proficiency in financial analysis, including preparing balance sheets, income statements, and cash flow statements.
- Led reconciliation efforts to ensure accuracy between financial records and bank statements, minimizing discrepancies.
- Proficient in utilizing accounting software such as Tally for data entry, reporting, and financial analysis.
- Implemented cost-saving measures thorough expense analysis and vendor negotiation, resulting in significant budget efficiencies.
- Ensured compliance with regulatory requirements and accounting standards, maintaining accurate records and documentation.
Articled Audit Assistant
Sultania Sujit & Co.
09.2018 - 09.2021
- Performed comprehensive statutory audits in adherence to regulatory standards, ensuring accuracy and compliance with legal requirements.
- Applied materiality thresholds during statutory audits, ensuring accurate identification and reporting of significant financial discrepancies.
- Conducted detailed stock counts as part of statutory audit procedures, ensuring accurate valuation and reconciliation of inventory assets.
- Performed GL testing procedures during statutory audits, ensuring accuracy and integrity of financial data recorded in the general ledger.
- Conducted vouching verification procedures during statutory audits, ensuring the accuracy and reliability of financial transactions and supporting documentation.
- Utilized analytical review techniques to identify trends, enhancing the effectiveness of statutory audits and ensuring compliance with regulatory standards.
- Assisted in the evaluation of internal control frameworks (IFC) during statutory audits, ensuring adherence to regulatory requirements and optimization of risk management processes.
- Conducted detailed walkthroughs of financial processes and controls during statutory audits, ensuring a comprehensive understanding and effective evaluation of internal control systems.
- Identified and addressed potential red flags during statutory audits, ensuring timely resolution and mitigation of risks to financial integrity and regulatory compliance.
- Ensured adherence to statutory compliance requirements encompassing PF, ESI, and TDS regulations during statutory audits, fostering regulatory conformity.
- Performed thorough examination and documentation of f inancial statements in compliance with regulatory standards, including the preparation of 3CA/3CB/3CD reports, during statutory audit engagements.
- Demonstrated proficiency in applying Standards on Auditing (SA) methodologies to ensure the effectiveness and integrity of statutory audit engagements.
- Conducted bank reconciliations, receivables, and payables reconciliations during statutory audits, ensuring accuracy and integrity of financial data.
- Evaluated and tested financial assertions during statutory audits, ensuring the accuracy and reliability of financial statements.
- Applied ratio analysis to assess financial performance and identify key trends during statutory audit engagements, facilitating informed decision-making processes.
- Ensured adherence to Schedule III of the Companies Act, GAAP principles, and best practices in the presentation of financial statements during statutory audit engagements, ensuring accuracy and compliance with regulatory standards.
Education
Chartered Accountancy
The Institute of Chartered Accountants of India
Kolkata, India12.2021
CBSE-Class XII
DAV H.S. School, Nepal
Birgunj, Nepal2017
Class X
Adarsh Sec. School, Nepal
Birgunj, Nepal2015
Skills
- Goal-Oriented
- Teamwork and Collaboration
- Industry Awareness
- Financial Planning
- Financial software
- Microsoft Excel
- Accounting Principles
Timeline
Relationship Manager, Business Loan Group
HDFC Bank
04.2024 - 09.2024
Financial Transaction Executive
Rudra Tech EST.
08.2022 - 02.2024
Articled Audit Assistant
Sultania Sujit & Co.
09.2018 - 09.2021
Chartered Accountancy
The Institute of Chartered Accountants of India
CBSE-Class XII
DAV H.S. School, Nepal
Class X
Adarsh Sec. School, Nepal
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