CA Monish Neema

Qualified Chartered Accountant with working experience in Bank & NBFC. Looking forward to face new challenge in growth-oriented company where I can use my knowledge, experience, skills to contribute to the company's success.

• Personal Discussion with Customer about Loan funding Requirement, Past experience of Customer, Present position of customer business, future Goals of Customer.
• Credit Analysis of Proposal based on Personal Discussion, Banking Record, CIBIL, Market Reference.
• Financial Analysis - Gross Margin, Net Margin wrt to Gross Receipt, Increase or decrease of Gross Receipt on the basis of Historical financial statement, Evaluation of Cash Profit Earning, utilization of secured & unsecured funding, Introduction & Withdrawal of Capital, utilization of reserves, Debtors ageing, Creditors ageing, Liquidity of firm on basis of cash, bank balances, short term investment.
• Banking Record Analysis - End of Loan funding borrowed, Number of ACH & Inward Cheque Return, Trend of inflow & outflow from different vendors.
• Ratio Analysis - Debt Service Coverage Ratio wrt banking record, financials, GSTR.
• Underwriting based on Surrogate Income Programs - Banking surrogate, GST Surrogate, Low LTV, Assessed Income (AIP), No Income (NIP).
• Decision of each Proposal in given framework.
• Regular discussion of bank policies with executives and sales team
• Soft Learning: MS Excel, MS Outlook, Salesforce, RLOS, CBS, Core, Finacle, BCIF.

Worked with: M.S. Dahiya & Company  

Period: 24.09.2013 to 05.06.2017

Major assignment:

• Statutory Audit of Hindustan Equipment Private Ltd includes Vouching & Verification, Preparation and Financial Statement & Audit Report in Compliance with Accounting Standard and Companies Act 2013.
• Internal Audit of D&H India Ltd includes Vouching & Verification, Compliance of Local Regulatory Norms and Evolution of Internal Control.
• Concurrent Bank Audit SBI includes regular test of bank transaction, daily reporting on compliance of bank branch.
• Income Tax Return includes return filling for salaried individual, Proprietorship firm.
• TDS Return includes return filling for private ltd companies.
• GST Return includes monthly return filling GSTR 3B, Yearly return filling.
• Warehouse Audit includes Reporting on compliance test as per framework given by respective enterprise.

• Father's Name: Om Prakash Neema
• Mother's Name: Kalavati Neema
• Spouse's Name: Nayan Nema
• Date of Birth: 02/14/93
• Marital Status: Married
• Address: 98/2 Biyabani Dhar Road Near Post Office, Indore (M.P.), Pin code: 452002

I hereby declare that the facts given in resume are correct to best of my knowledge and belief.

                                                                                                                    Monish Neema