CA Aanchal Arora
NEW DELHI
Summary
Experienced chartered accountant with a proven track record of over 6 years in underwriting business loan proposals. Evaluated and analyzed more than 150 loan proposals monthly, consistently maintaining an impressive approval rate of 75%. Proficient in risk assessment, financial analysis, and portfolio management. Thrives in a collaborative team environment and strives to achieve desired outcomes. Known for reliability, adaptability, and expertise in negotiation and strategic planning.
Overview
8
8
years of professional experience
Work History
Senior Credit Manager
AXIS Bank Ltd
11.2021 - 11.2024
- Analyze 150+ credit proposals for business loans in a month, including financial, operational, and managerial risks.
- Assess the creditworthiness of potential customers by analyzing financial statements and credit reports to be in line with Bank Credit Policies.
- Make lending decisions with an approval rate of 60%, including negotiating loan terms and setting credit limits.
- Ensure compliance with lending regulations and internal policies.
- Monitor and manage a portfolio of credit clients, including delinquencies and periodically generate reports on credit activities and key performance indicators (KPIs)
- Lead, mentor, and train a team of CPAs and DSAs.
- Interact with customers & understand the business and regularly monitor delinquencies
Credit Manager
HDFC Bank Ltd
05.2018 - 11.2021
- Oversee the loan approval process from initial application to final disbursement.
- Review and analyze business loan applications, including financial statements, credit reports, and business plans.
- Assess the creditworthiness of applicants by evaluating their financial stability, repayment capacity, and overall risk profile.
- Conduct thorough risk assessments and provide recommendations for loan approval or denial.
- Develop and update credit policies and procedures to ensure compliance with regulatory requirements and industry standards
Audit Manager
Baweja & Kaul Chartered Accountants
03.2017 - 04.2018
- Preparation of Credit Appraisal Memos (handled 1200+ proposals) within Turn Around Time of HDFC Bank for Working Capital Products
- Involved in checking of documents executed by the borrower for availing limit and ensuring their completeness
- Analyzing the ratios to assess the credit worthiness of the borrowers
- Preparation of Personal Field Inspection Reports for unsecured loans
- Conducted Concurrent and Statutory Audit of PSU Banks- Canara Bank, IOB, BOB, CBI, Federal Bank etc
- Conducted Statutory Audit of Dedicated Freight Corridor Corporation of India Limited (World Bank and Government of Japan aided project) and Cotton Corporation of India.
Education
Chartered Accountant - Finance And Accounts, Taxation, Costing
The Institute of Chartered Accountants of India
New Delhi, India11.2014
B.Com - Accounting And Finance, Banking, Costing
Kurukshetra University
Kurukshetra, India01.2013
Skills
- Lasersoft
- Finacle 7
- Finacle 10
- Flexcube
- Tally 72
- Tally 9
- Tally ERP 9
- Microsoft Office
- PowerPoint
Key Competency Areas
- Business Loan-Unsecured
- Working Capital Loan
- Financial Statement Analysis
- Bank Audits
- Taxation-Direct and Indirect
- Team Management
Timeline
Senior Credit Manager
AXIS Bank Ltd
11.2021 - 11.2024
Credit Manager
HDFC Bank Ltd
05.2018 - 11.2021
Audit Manager
Baweja & Kaul Chartered Accountants
03.2017 - 04.2018
Chartered Accountant - Finance And Accounts, Taxation, Costing
The Institute of Chartered Accountants of India
B.Com - Accounting And Finance, Banking, Costing
Kurukshetra University
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