CA BHUVNESH CHOUDHARY
Jaipur
Summary
Diligent and results-driven Chartered Accountant with four years of comprehensive experience in loan underwriting, financial accounting, auditing, and credit risk assessment. Skilled in evaluating financial statements, conducting detailed cash flow and ratio analysis, identifying early warning signals, and ensuring strong compliance with regulatory and internal credit policies. Adept at delivering accurate, timely, and well-documented credit decisions while maintaining high standards of risk control and portfolio quality. Seeking challenging opportunities to leverage my analytical expertise, underwriting knowledge, and audit background to contribute to a growth-oriented organization.
Overview
10
10
years of professional experience
Work History
Senior Credit Manager
Kotak Mahindra Bank
Jaipur
11.2023 - Current
- Conducted comprehensive credit assessments for mortgage loan proposals, analyzing income, repayment capacity, and risk exposure.
- Conduct detailed credit rating assessments for SMEs and corporates, including financial, business, and industry risk analysis.
- Evaluated borrower financials, bureau reports, debt obligations, and overall creditworthiness.
- Analyzed property risk by assessing FOIR and LTV ratios to guide lending decisions.
- Reviewed legal and technical property reports to ensure marketability, valuation accuracy, and compliance with bank standards.
- Prepared detailed Credit Appraisal Notes (CAN), highlighting risks, mitigants, and recommendations for lending decisions.
- Monitor portfolio performance, identify early warning signals, and implement corrective actions to prevent NPAs.
- Coordinate with legal, technical, and valuation teams to ensure due diligence, and collateral quality.
- Ensure adherence to RBI guidelines, internal credit policies, and audit frameworks.
Credit Manager
ICICI BANK
JAIPUR
11.2021 - 11.2023
- Conducted an in-depth assessment of mortgage loan proposals, focusing on credit and market risk exposure.
- Assessed customer creditworthiness based on financial reports, payment histories, and other sources of information.
- Monitored customer account details for non-payments, delayed payments, and other irregularities.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Reviewed accounts for signs of fraud and non-payment issues.
- Collaborated cross-functionally with sales, management, and other departments to maintain effective operations.
Audit Assistant
Kapil Agrawal and Company
Jaipur
09.2015 - 09.2018
- Involved in a full scope review of audits, including planning, risk assessment, control testing, substantive testing, and reporting of financial statements for a diverse portfolio of clients across multiple industries, including the automobile industry.
- Collaborate with team members to document work papers, ensuring accuracy and compliance with audit methodologies, standards, and regulations.
- Conducted internal audits for automobile dealers and real estate builders.
- Monitored compliance with internal and external regulations and policies.
- Conducted stock audit, tax audit, and physical verification of assets.
- Filing of income tax returns, TDS returns, and finalization of accounts in accordance with accounting standards.
Education
Chartered Accountant -
Institute of Chartered Accountants of India
Jaipur06-2021
Master of Commerce -
University of Rajasthan
Jaipur05-2017
Bachelor of Commerce -
University of Rajasthan
Jaipur03-2015
Skills
- Credit assessment and risk analysis
- Financial evaluation
- Compliance monitoring
- Portfolio management
- Decision making
- Analytical thinking
- Multitasking
- Fast learner and networking
- Microsoft Excel
- Good communication and team building
Languages
English
Intermediate (B1)
B1
Hindi
Upper Intermediate (B2)
B2
Accomplishments
- Received positive and appreciated feedback from prime clients of the current organization for faster and on-time services
- Received appreciation from seniors for consistently detecting early warning signals and ensuring high-quality, error-free credit assessments
- Received exemption in advance auditing and professional ethics paper in CA final
Hobbies and Interests
- Watching movies
- Playing outdoor sports
- Travelling
Timeline
Senior Credit Manager
Kotak Mahindra Bank
11.2023 - Current
Credit Manager
ICICI BANK
11.2021 - 11.2023
Audit Assistant
Kapil Agrawal and Company
09.2015 - 09.2018
Chartered Accountant -
Institute of Chartered Accountants of India
Master of Commerce -
University of Rajasthan
Bachelor of Commerce -
University of Rajasthan