CA Bhawana Singhal

• Assessing financial statements and their due diligence, such as CIBIL checks, BQS, CRILC, and banking conduct of the client, to determine the creditworthiness of applicants.
• Prepared CMA data and analysis of different ratios, such as profitability ratio, leverage, liquidity ratio, efficiency ratio, etc., and their detailed analysis.
• Assessment of different fund-based and non-fund-based limits offered by the organization, as per the policy of the organization.
• Assess credit risks associated with applicant requests, determine repayment abilities, and relay key findings to the Credit Committee.
• I have coordinated with different departments, like Business RM and Credit, to ensure the quality of the portfolio.
• I have prepared over 100 CAMs (Credit Appraisal Memorandums).
• To ensure all the documents are attached in a systematic manner before submitting the case to the Credit Committee for decision-making.

• Acquisition of New Customers (NTB) and Management of Existing Portfolio (ETB).
• I have coordinated with the customers for the timely collection of documents for the renewal of limits.
• Documents for the Renewal of Limits.
• Customization of the product as per the requirements of the customer.
• I have prepared the CAM and coordinated with the Credit Team for the sanction of the case.

I have assessed the financial and overall strength of the case.

• Advisory to client on tax applicability.
• Preparation of the computation of income and filing of ITR for various entities.
• Preparation and filing of Tax Audit Form 3CA-3CD, Form 3CB-3CD.
• Computation of depreciation as per the Income Tax Act.
• Preparing and filing of monthly GST returns (GSTR-1, GSTR-3B) of different entities.
• Prepared Trading, P&L A/C, and and Balance Sheet of different concerns.
• Reconciliation of GSTR 2A/2B and ITC claimed by the client in GSTR 3B.