SAP finance & controlling, UAE accounting &taxation, corporate tax
JITHU K
Beypore, Kozhikode
Work History
Accountant
Advanced Construction Technology Pvt Ltd
kozhikode, kerala
2019.04 - Current
- Handled day-to-day accounting processes to drive financial accuracy.
- Reconciled accounts and reviewed expense data, net worth, and assets.
- Documented cash, credit, fixed assets, accrued expenses, and line of credit transactions.
- Completed daily cash functions like account tracking, payroll and wage allocations, budgeting, donating, and cash, and banking reconciliations.
- Detected and corrected mistakes early on and implemented systems to avoid recurring issues.
- Prepared and filed tax forms to meet needs of customers.
- Established strong relationships with banking partners to facilitate access to various financial services and secure favorable lending terms for the organization.
- Assisted in the development of financial forecasts based on historical trends and current market conditions, supporting strategic planning initiatives within the organization.
- Trained new employees on accounting principles and company procedures.
- Diminished outstanding debts by analyzing accounts for issues.
Branch Credit Co-ordinator
Kotak Mahindra Prime Ltd
Kozhikode, India
11.2017 - 02.2019
- Optimized the credit review process by implementing a risk-based approach, allowing for more accurate and efficient evaluations of customer creditworthiness.
- Assisted with new customer approval process.
- Calculate monthly EMI, other charges and provide that information to customers
- Check the customers CIBIL, other previous credit history and running loans
- If customer is defaulted person, rejected the application at initial stage. otherwise proceeds
- Identify the Standard of living , Nature of business or occupation, monthly salary and other earnings
- Collect 6 month bank statement. If salaried person we need salary credit banking and 3 month salary slip
- Prepare CAM( Credit Appraisal Memo) and identify AQB(Average Quarterly Balance)
- Calculate FOIR(Fixed Obligation to Income Ratio)
- Identify the family income and how many persons are dependent him
- Collect latest land tax receipt
- Verify the customer's LTR, FI(Field Investigation), ITR(Income Tax Receipt),BV( Bank verification) report.
- If case is LAP, collect and verify Land deed, LTR, Possession certificate, Encumbrance certificate, Location sketch, Previous deed etc..
- Compare his total monthly earnings and other running loans EMIs (also total outstanding loans) and check it he is eligible to pay our giving loan EMI
- Every running loans details and tracks are collect
- If any DPD, DBD, Loss and Over dues in tracks, we clarify that delay and collect clearing certificate
- Lastly mentioned that customers positives ,negatives ,remarks etc
- If loan amount is huge one, we recommended to higher authority, otherwise loan sanctioned locally.
- After giving the loan if customer is not paying the EMI amount we direct call the customers and collect details for delay. We compel or pressure the customers to pay that amount
- If customers is not willing to pay that amount we move legally
- Maintain up to date MIS properly.
Education
Master of Commerce - Accounting And Finance
04.2017
Bachelor of Commerce - Cooperation
04.2015
Plus Two - Commerce
04.2012
SSLC -
04.2010
Skills
- SAP Expertise
- Account Reconciliation Processes
- Financial Planning
- Customer Relations
- Financial Statements
- Tax Preparation
- Financial Management
- Accounts Payable and Receivable
- Accounting and Bookkeeping
- Budgeting Assistance
- GAAP Compliance
- Cash Analysis
- Journal Entries
Software
Knowledge in CFA using Tally, Tally ERP 9, Peachtree, HTML, Quick book, Dac Easy
Microsoft Excel, Microsoft Word, Internet and E Mail, Software Installation etc
Summary
Detail-oriented Accountant with 5 years effectively maintaining accurate accounting information for large-scale financial organizations. History working as part of financial team to manage diverse financial functions, tax management and reporting. Works closely with executive management on complex mergers and acquisitions and divestitures. Adept at managing budgets, payroll, invoicing and general accounting functions. Instrumental in keeping business operations fully compliant and working within budgetary guidelines.
Timeline
Accountant - Advanced Construction Technology Pvt Ltd
2019.04 - Current
Branch Credit Co-ordinator - Kotak Mahindra Prime Ltd
11.2017 - 02.2019
Calicut University - Master of Commerce, Accounting And Finance
Calicut University - Bachelor of Commerce, Cooperation
G.G.H.S.School Kallai - Plus Two , Commerce
G.H.S.School Beypore - SSLC,