CA Dattu Borate

• Assessed credit worthiness and sanctioned business and professional loans of > 300Cr. for 400+ customers over the years for MSME and understand revenue recognition process
• Managing transactions underwriting/risk assessment up to 30 Cr for working capital and Led discussions with customers and developed deep understanding of business across industries- operations, working capital, liquidity, business margins to assess repayment capacity
• Analyzed client financials report & Audit report, financial ratios, cash flow and fund flow, bank statements, credit repayment history, bureau score, understand of reconciliations of all the GL, personal discussion, statutory dues repayment and worked independently in end to end credit analysis and monitoring
• Expertise in understanding credit proposal, finding loopholes, detailed cost benefit analysis and finding observations and getting it resolved
• Key focus on meeting the short term & long term working capital requirement of customer and structuring transaction as per business cash flows
• Responsible for resource allocation for credit analysis &for time closure of month end activities
• Trained Junior staff members new processes, lessons learned, best practices etc.
• Identified issues, analyzed information and provided solutions to problems.
• Managed time efficiently in order to complete all tasks within deadlines.

CMOG:

• Worked independently in managing sales team (Team size # 70)
• Facilities disbursement and monitoring portfolio post disbursement
• Responsible for documentation/compliance as per organizational policy and reconciliations on monthly of all accounts
• Involved in MIS timely reporting to various levels of management, committees
• Involved in post sanction monitoring of loan Given training to new team members on credit

• Responsible for entire accounts management of firm
• Involved in resource management for accounts department,
• Responsible for ensuring Internal control at firm, Pro-Actively helped in Fund management,
• Responsible for ensuring compliance of Service Tax, VAT, Income Tax, Actively involved in month end process, year processes,
• Taking review prior to month end and correcting entries if any before month end,
• Trained junior staff members accounting process, principles

Contributed for 2.5 years after articleship and 3.5 years as article associate:

• Involved in Bookkeeping and Accounting of Client Firms (Client Approx. # 65)
• Conducted Statutory audit of more than 5 banks
• Performed Concurrent audit of more than 10 banks
• Engaged in various Tax audit &more than 50 Stock audit assignment
• Conducted tax audit and scrutiny assessment compliance
• Managed taxation matters such as Computation of taxable income for both corporate and individuals and handled their IT returns; prepared VAT, Service tax returns and conducted VAT Audit of multiple entities
• Frequent visits to client location for statutory audits, concurrent audit, and all kind of compliance
• Handled entire office in absence of bosses for months
• Maintained good relationship with all clients with efficient services
• Coached junior teams on audit and accounts preparation