Summary
Overview
Work History
Education
Skills
Accomplishments
Additional Information
Timeline
Generic
G BHASKAR

G BHASKAR

Chartered accountant
Bengaluru

Summary

Results-driven Chartered Accountant with robust experience in credit underwriting, financial analysis, and compliance within banking and industry. Expertise in risk assessment, CAM preparation, financial planning, and process automation. Proven leader in optimizing credit processes and ensuring stringent regulatory adherence. Adept communicator, analytical problem-solver, and collaborative team player seeking to contribute as a Credit Underwriter in the banking sector.

Overview

6
6
years of professional experience

Work History

Deputy Manager

City Union Bank
10.2023 - Current
  • Evaluated loan applications from corporate, MSME, and retail clients through detailed financial analysis and credit risk assessment.
  • Reviewed business and personal financial statements, tax returns, and credit reports to determine applicant creditworthiness.
  • Applied internal underwriting standards and regulatory policies to analyze and approve credit exposures.
  • Prepared comprehensive credit memoranda, risk rating assessments, and recommendations for credit committee reviews.
  • Coordinated with relationship managers and sales teams to gather complete supporting documentation for accurate underwriting.
  • Monitored existing loan portfolio, identifying early warning signs and recommending corrective actions for deteriorating credits.
  • Conducted regular compliance reviews, ensured timely covenant compliance and documented exceptions with appropriate rationale.
  • Utilized credit scoring models and financial software to support loan decision-making and portfolio risk management.
  • Managed effective communication between clients, sales, and internal stakeholders to facilitate efficient loan processing and account maintenance.
  • Trained junior underwriters on underwriting fundamentals, regulatory requirements, and risk identification for business and consumer loans.
  • Ensured strict confidentiality and adherence to data security protocols in all client and organizational interactions.

Assistant Manager

Manjushree Technopack
06.2022 - 06.2023
  • Assisted in monthly closing of books of accounts, ensuring financial records conformed accurately to INDAS requirements and timelines.
  • Automated the accounts payable system and fixed asset register reconciliation, delivering significant improvements in speed and error reduction.
  • Performed reconciliation of TDS, GST, and other statutory compliances, verifying accuracy of deductions and filings to support audit processes.
  • Supported statutory and internal audit closure: prepared required schedules, clarified audit queries, and ensured audit recommendations were implemented.
  • Managed the processing of purchase bills for raw materials, assets, and multi-departmental expenses, ensuring all entries were properly authorized and documented..
  • Provided insights and recommendations to management for process improvements, contributing to higher standards of efficiency and reliability in financial reporting.

Manager Finance

Satish Marine
01.2020 - 05.2022
  • Defined financial goals and formulated measurable objectives to guide the company’s growth and capital strategy.
  • Designed and implemented comprehensive accounting systems, policies, and procedures to reinforce internal financial controls and ensure regulatory compliance.
  • Led the entire budgeting process: developed annual and quarterly budgets, tracked budget variances, and presented actionable recommendations to leadership for resource allocation.
  • Generated periodic financial reports for management, summarizing key indicators including income, expenses, capital expenditures, fund utilization, and cash flow.
  • Coordinated preparation and timely submission of projected P&L accounts, bills discounting statements, and balance sheets for bank authorities and external stakeholders.
  • Finalized statutory financial statements in adherence with applicable Accounting Standards (AS), maintaining audit readiness and transparency for stakeholders.
  • Monitored budget performance in relation to actual costs and revenues, delivering in-depth variance analysis and cost-saving suggestions for production, marketing, and capital expenditures.
  • Managed effective cash flow by forecasting receipts/disbursements, arranging funds, and minimizing finance costs for the organization.
  • Independently handled GST and TDS responsibilities: monthly filings, e-payments, quarterly returns, and compliance with statutory obligations.
  • Negotiated with banks on export documentation and financing needs, securing compliance and smooth operations for international business.
  • Processed and controlled purchase bills for raw materials, assets, and cross-departmental expenses with stringent checks on accuracy and validity.
  • Routinely reconciled control accounts, identified discrepancies/audit issues, and resolved them efficiently to maintain error-free books.
  • Regularly updated and improved accounting, finance, and management policies to enhance operational efficiency and accuracy in reporting.

Education

Chartered Accountant - CA

Institute of Chartered Accountants of India
04.2001 -

Intermediate -

AP Residential Junior College
04.2001 -

SSC -

SSC
Sri Bhagavan Sai Ram High School
04.2001 -

Skills

CORE COMPETENCIES

  • Credit Underwriting & Risk Analysis
  • Financial Statement Evaluation
  • Credit Approval Memoranda (CAM)
  • Regulatory Compliance (RBI, GST, TDS, Income Tax)
  • Cash Flow Management & Forecasting
  • Process Automation & Internal Controls
  • Audit (Internal, Statutory, Compliance)
  • ERP Systems (Tally, Navision, D365)
  • Advanced Excel & Reporting
  • Team Leadership & Cross-Departmental Collaboration

Accomplishments

  • Consistently reduced risk exposure through robust underwriting and process optimization.
  • Automated financial processes, improving speed and reliability of credit decisions.
  • Delivered 100% compliance in audits and regulatory filings.
  • Provided insights that informed strategic management decisions.

Additional Information

ATTRIBUTES

  • Analytical,detail-oriented, and highly adaptable
  • Strong communicator and effective collaborator
  • Committed to professional growth, integrity, and excellence

Timeline

Deputy Manager

City Union Bank
10.2023 - Current

Assistant Manager

Manjushree Technopack
06.2022 - 06.2023

Manager Finance

Satish Marine
01.2020 - 05.2022

Chartered Accountant - CA

Institute of Chartered Accountants of India
04.2001 -

Intermediate -

AP Residential Junior College
04.2001 -

SSC -

SSC
04.2001 -

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G BHASKARChartered accountant