Himani Goel
Karnal
Summary
Passionate about traveling and connecting with individuals, leveraging strong interpersonal skills to foster meaningful relationships. Expertise in credit analysis and client relationship management, adept at navigating complex financial landscapes. Thrives in dynamic environments, constantly seeks out new perspectives, and drives growth through innovative strategies.
Overview
3
3
years of professional experience
Work History
Relationship Associate CBG (Industrial Trainee)
HDFC Bank
11.2021 - 05.2023
- Assisted in business development of clients across MNCs, conglomerates and PSUs having topline above $100 million via cross sell, product penetration etc
- Prepared Credit Appraisal Memorandum for existing and new to bank clients.
- Determined feasible sanctionable working capital amounts.
- Prepared DCF tables and sensitivity analysis for term loans and future projects of clients.
- Generated estimated financial outlooks.
- Assisted in the onboarding process for new clients, streamlining communication and documentation procedures.
- Coordinated meetings between clients and senior relationship managers, fostering productive collaboration and strategic planning efforts.
- Gathered and analyzed client information for tailored banking services.
- Assisted the team on deals ranging from LRD transactions, healthcare, manufacturing and FMCG along with doing financial and credit analysis of existing and potential clientele
- Responsible for scheduling NTB meetings with the Multinational clients having topline of more than $60 mn in Hyd and reporting directly to South Head of CBG
- Founding member of NTB program led by Regional Head which was reported to Group Head and DMD.
Article Assistant
Anirudh Jindal & Associates
02.2020 - 11.2021
- Preparation of books of Accounts
- Analysis of company financials with the intent to identify siphoning of funds
- Financial analysis of sales or purchases to identify unusual inflation or deflationby performing trend analysis and unusual related party transactions.
- Financial analysis of related party transactions to identify fraudulent transactions by computing arm’s length price & extortionate transactions bycomputing interest rate differentials vis-à-vis market rates.
- Prepared reports and materials to assist with audits.
- Prepared detailed journal entries to accurately record transactions, improving internal controls and transparency.
- Collaborated with team members to complete audits in a timely manner, improving overall department productivity.
- Reconciled statements to resolve discrepancies.
- Maintained and enhanced internal controls to preserve confidentiality of records.
Education
ICAI -
CA FINAL GROUP 1
11.2024
ICAI -
CA FINAL GROUP 2
05.2024
ICAI -
CA INTERMEDIATE
07.2021
University Of Delhi -
BCom Hons
08.2021
Skills
- Building Professional Relationships
- Effective Leadership
- Clear Interpersonal Communication
- Client Relationship Management
- Banking Operations Knowledge
- Credit Assessment
- Client Interaction
- Engaging Presentation Skills
- Collaborative Teamwork
- Critical thinking
Strategic Initiatives
At HDFC Bank, was part of the founding members of team that ran the PAN India Wholesale banking NTB Initiative, which aimed to increase the bank's market share and revenue from this segment. Identifying and approaching potential clients, conducting financial analysis and due diligence, and presenting customised solutions and products.
My responsibility was to manage weekly calls with different regions to monitor the progress and prepared quarterly presentation for DMD review.
Languages
English
Upper intermediate (B2)
Hindi
Advanced (C1)
Timeline
Relationship Associate CBG (Industrial Trainee)
HDFC Bank
11.2021 - 05.2023
Article Assistant
Anirudh Jindal & Associates
02.2020 - 11.2021
ICAI -
CA FINAL GROUP 1
ICAI -
CA FINAL GROUP 2
ICAI -
CA INTERMEDIATE
University Of Delhi -
BCom Hons
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