CA. Ruhinaaz Shaikh
Palghar
Summary
Accomplished Loan Underwriter with over 2 years of experience in credit risk analysis, loan approval, and compliance. Proven ability to evaluate complex financial data and make sound lending decisions. Committed to maintaining high standards of accuracy and efficiency, while adhering to regulatory guidelines. Seeking to leverage my expertise in credit assessment and risk management to contribute to a dynamic financial institution. Certified Loan Underwriter specialising in Commercial underwriting, credit evaluation, and risk assessment. With a solid background in both banking and finance, I excel at identifying potential risks and making informed lending decisions. . Successfully underwrote and approved over 100 loans, totalling ticket Size up to 2Cr in value, while maintaining strict adherence to company and regulatory guidelines. Eager to bring my strong analytical skills and meticulous attention to detail to a progressive financial institution, providing expert underwriting services and contributing to its growth
Overview
4
4
years of professional experience
Work History
Deputy Manager
Saraswat Co-operative Bank Ltd.
Dadar
2022.05 - Current
- Accomplished Loan Underwriter with over 2 years of experience in credit risk analysis, loan approval, and compliance. Proven ability to evaluate complex financial data and make sound lending decisions. Committed to maintaining high standards of accuracy and efficiency, while adhering to regulatory guidelines. Seeking to leverage my expertise in credit assessment and risk management to contribute to a dynamic financial institution.
- Certified Loan Underwriter specializing in commercial underwriting, credit evaluation, and risk assessment. With a solid background in both banking and finance, I excel at identifying potential risks and making informed lending decisions.
Accounts and Tax Consultant
SDRC Diagnostic Centre
Mumbai
2021.06 - 2022.05
- Maintaining books of accounts of Nalasopara and Vasai.
- Finalization of accounts.
- Dealing with vendors for reconciliation of statement of accounts and payments.
- Handling TDS Returns, PTRC Returns.
- Routine entries and checking of accounts on a daily basis.
- Preparing monthly Profit and Loss Statement.
- Preparing monthly Cash Flow Statement.
Audit and Tax Consultant
Haresh Mehta & Associates (Chartered Accountants
Nalasopara
2021.01 - 2021.05
- Maintained books of accounts of client companies.
- Reconciliation of bank accounts and various parties' accounts.
- Filing of Income Tax Returns of Partners in Firms, Audit, and Non-Audit Returns
- Reconciliation of accounts of various vendors.
- To submit monthly debtors list, as well as stock in hand, to the bank to avail the cash credit facilities.
- To check the entry from data entry and approve the same of systems.
Education
CPA
KPMG
Gleim Publication 2024-08
Bachelor of Commerce -
University Of Mumbai
Mumbai, Maharashtra03.2017
Chartered Accountant -
Institute of Chartered Accountants of India
Mumbai, Maharashtra01.2015
H.S.C (12th) -
Vartak College
Mumbai, Maharashtra04.2007
High School -
N G Vartak
Mumbai, Maharashtra03.2005
Skills
- Exceptional risk assessment and management
- Development and implementation of underwriting models
- Strong relationship building with brokers
- Portfolio management
- Development of competitive insurance products
- Training and team development
- High-risk account underwriting
- Process improvement and streamlining
Personal Information
- Spouse's Name: Mr. Arshad Shaikh
- Date of Birth: 10/10/88
- Gender: Female
- Nationality: Indian
- Marital Status: Married
Languages
- English
- Hindi
- Marathi
Hobbies and Interests
- Continuing Education in Finance
- Personal Budgeting and Planning
- Reading Books
- Watching Inspirational Movies and Videos
- Intrested in Internation Taxation
Timeline
Deputy Manager
Saraswat Co-operative Bank Ltd.
2022.05 - Current
Accounts and Tax Consultant
SDRC Diagnostic Centre
2021.06 - 2022.05
Audit and Tax Consultant
Haresh Mehta & Associates (Chartered Accountants
2021.01 - 2021.05
CPA
KPMG
Bachelor of Commerce -
University Of Mumbai
Chartered Accountant -
Institute of Chartered Accountants of India
H.S.C (12th) -
Vartak College
High School -
N G Vartak
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