CMA Surbhi Chaturvedi
Banker
Kolkata ,West Bengal
Summary
Utilize my knowledge skill & imagination for the success of the institution I shall work in and in the process enhance my abilities. To enrich the institution with the fullest of my efforts and the best of my abilities. Willing to work as a key player in challenging and dynamic environment.
Overview
5
5
years of professional experience
Work History
Audit Assistant
- Handling overall process of inventory auditing of ECL sodepur area
- Preparing of inventory statement of different company
- Filling of income tax return of individual and companies
- GST registration of individual and companies, filing return of GSTR 3B and GSTR 1
- Preparation of balance sheet and profit and loss, project report, for companies and partnership firm
- Preparing reports for loan of different client
- Filling Trademark, FSSAI and other documentation.
Credit Analyst
SMFG India Credit
09.2023 - Current
- Made decisions and recommendations about extending lines of credit.
- Assessed credit risk and analyzed financial statements.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Secured & Unsecured Loans - Credit Manager
IDFC First Bank
04.2021 - 09.2023
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Credit Manager
Atyati Technologies Pvt Ltd.
01.2020 - 04.2021
- Credit underwriting and approving of Working capital loan in accordance with credit policies
- Research and evaluate clients' creditworthiness
- Credit scoring models to predict risks
- Approve or reject loan requests, based on credibility and potential revenues and losse
- Doing Ratio and Assessment of working Capital for MSME CC and OD loan.
Education
MBA - Financial Accounting
St Xavier's College
Kolkata Cost Accountant - Taxation, Costing, Accounts, Laws
Institute of Cost Accountant of India
Asansol 12.2018
Bcom - Financial Accounting
St. Mary Goretti Girl's High School
Asansol 05.2014
Skills
- Advanced financial analysis
- Research and trend analysis
- Financial report analysis
- Market Trends Analysis
- Risk Assessment Analysis
- Bank Statement Analysis
- Teamwork and Collaboration
- Excellent Communication
- Analytical and Critical Thinking
- Team building
- Supervision and leadership
Languages
English, Hindi, Bengali
Advanced (C1)
Professionalbrief
I am qualified cost accountant having experience of approx. 4.5 year in the field of banking /NBFC and Fintech company as a Credit manager . deep knowledge of underwriting process and credit analysis of Small,Micro and Medium enterprises.
Personal Information
- Father's Name: Late Mr. Anil Kumar Chaturvedi
- Date of Birth: 11/23/1994
- Gender: Female
- Marital Status: Single
Profiles
- Business Banking Credit Manager-micro business loan, Banking, Asansol, Micro business secured and unsecured loan, LAP
- Credit Manager, Banking, Fintech, Kolkata, Working capital loan- SME loan, CC and OD
- Audit Assistant, Auditing, Asansol
Hobbies and Interests
watching movie
Disclaimer
I consider myself familiar with above mentioned aspects. I am also confident of my ability to work in a team. I hereby declare that the information furnished above is true as the best of My knowledge.
Additional Information
Have industrial training from Powergrid Corporation of india Limited.
Timeline
Credit Analyst
SMFG India Credit
09.2023 - Current
Secured & Unsecured Loans - Credit Manager
IDFC First Bank
04.2021 - 09.2023
Credit Manager
Atyati Technologies Pvt Ltd.
01.2020 - 04.2021
Audit Assistant
MBA - Financial Accounting
St Xavier's College
Cost Accountant - Taxation, Costing, Accounts, Laws
Institute of Cost Accountant of India
Bcom - Financial Accounting
St. Mary Goretti Girl's High School
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