CA B PRAVITHA
Coimbatore
Summary
Qualified Chartered Accountant skilled in finance, audit and credit with progressive experience of 6 years. Pursuing credit analyst position in a banking company and dealing with corporate loans. Known for leadership, teamwork, quickly mastering new skills and adaptability.
Overview
9
9
years of professional experience
Work History
Credit Analyst
Karur Vysya Bank, Corporate Business Unit
Coimbatore
12.2021 - Current
- Managing advance portfolio of approximately Rs.800 Crore for 25 corporate borrowers from Tamil Nadu, Kerala and Karnataka region.
- Managed and facilitated various credit facilities for borrowers with turnover exceeding Rs.250.00 Crore and exposure over Rs.25.00 Crore, including cash credit, WCTL, Machinery TL, Corporate Term Loan, pre shipment/post shipment facilities, bank guarantee, and bills discounting.
- Developed and maintained relationships with clients to gather necessary financial information.
- Performed detailed financial assessments on clients, analyzing creditworthiness and suggesting appropriate credit limits.
- Evaluated borrower financial statements, market conditions, and industry trends to assess risk.
- Assessed collateral values and ensured sufficient coverage for secured loans.
- Prepared and presented credit proposals to obtain approval from credit committee.
- Achieved highest proposal processing rate among a team of 3 credit analysts.
- Maintained a healthy portfolio by monitoring customer accounts for timely payment compliance and promptly reporting any defaults.
- Recorded all credit activities with precision.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Responsible for obtention of monthly stock statements and fixing DP, book debts statement, FFR, Annual Financial statements, servicing of interest, repayments, addressing various audit queries, post sanction follow ups, updation of limits and collateral and keen monitoring of accounts.
- Managed workload to meet tight deadlines for various credit committees.
Manager (Level II), Finance and Control Department
Karur Vysya Bank, Central Office
Karur
11.2019 - 12.2021
- Reported to CFO of Bank as a member of the Balance Sheet team.
- Prepared monthly P&L and delivered results note to Board of Directors.
- Assisted in preparation of financials, calculation of ratios and investor presentation.
- Coordinated with statutory auditors of the Bank for Limited Reviews and Statutory Audit.
- Prepared and submitted various RBI returns on time.
- Assisted with data preparation as needed for RBI audits.
- Supported in the Bank's monthly GST return preparation and filing process.
Audit Associate
M/s VSV Associates, Chartered Accountants
Coimbatore
12.2018 - 03.2019
- Performed statutory audits for a diverse range of entities including Individuals, Firms, LLPs, Trusts, and Private Limited Companies.
- Mentored and led articled assistants in client audits and tax computation.
- Conducted detailed analysis of balance sheets to identify and rectify errors and inaccuracies.
- Ensured compliance with all statutory requirements in audit process.
- Managed simultaneous tasks, meeting strict deadlines.
Articled Assistant
M/s VSV Associates, Chartered Accountants
Coimbatore
04.2015 - 04.2018
- Assisted in tax return preparation and filing for clients in various sectors including Manufacturing, Traders, Hospitals, and Construction.
- Prepared Credit Monitoring Analysis and project reports for clients to meet loan requirements.
- Collaborated in conducting bank audits and drafting comprehensive reports.
- Assisted in mandated audit by Official Liquidator, High Court of Madras for organizational merger.
- Prepared various certificates, including Hank Yarn compliance certificate and Debtors and Stock certificates for bank purposes.
- Prepared and filed GSTR returns, e-TDS returns, Income Tax returns and litigations.
- Coordinated and executed monthly payroll processing for clients.
- Reviewed and analyzed accounting records, such as trial balances and general ledgers.
- Prepared and maintained accounting records for small and medium-sized enterprises.
- Conducted internal audits for corporate clients.
Education
Chartered Accountant -
The Institute of Chartered Accountants of India
Coimbatore05-2019
Bachelor of Commerce (Professional Accounting) -
PSG College of Arts & Science
Coimbatore03-2016
XII (HSC) -
Annai Velankanni Matriculation Hr. Sec School
Coimbatore03-2013
X (SSLC) -
Ganapath Model Girls Higher Secondary School
Calicut, Kerala03-2011
Skills
- Credit Analysis
- Financial Analysis
- Underwriting
- Relationship Management
- Proficient in credit software and excel
- Taxation
- Audit
Languages
English
First Language
Tamil
Proficient (C2)
C2
Telugu
Intermediate (B1)
B1
Malayalam
Proficient (C2)
C2
Timeline
Credit Analyst
Karur Vysya Bank, Corporate Business Unit
12.2021 - Current
Manager (Level II), Finance and Control Department
Karur Vysya Bank, Central Office
11.2019 - 12.2021
Audit Associate
M/s VSV Associates, Chartered Accountants
12.2018 - 03.2019
Articled Assistant
M/s VSV Associates, Chartered Accountants
04.2015 - 04.2018
Chartered Accountant -
The Institute of Chartered Accountants of India
Bachelor of Commerce (Professional Accounting) -
PSG College of Arts & Science
XII (HSC) -
Annai Velankanni Matriculation Hr. Sec School
X (SSLC) -
Ganapath Model Girls Higher Secondary School
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