JYOTI JAIN

· Manage all retail loan, credit requests & making approval decisions.

· Appraise/ Underwrite the loan- Home loan, LAP, PL, EL, BIL & AL.

· Co-ordinate with legal, technical, FI & Risk.

· Identifying risk with lending & finding alternatives to mitigate them.

· Managing post disbursement documents & partly disbursed cases.

• Leading a team for end to end process of secured & unsecured loan disbursement.
• Responsible for credit appraisals for secured & unsecured business loans.
• Collect, analyze and give insights on financial statements & cash flows.
• Documentation of projections, KYC, financials, banking records etc.
• Ensure credit worthiness of customer.

• Maintaining Customer Outstanding and ageing reports and MIS
• Reconciliation of Customer Accounts and collection report.
• Verification of sales invoices/Debit note/Credit note and its accounting.
• Booking of selling expenditure and customer receipts related entries.
• Coordination with statuary and internal auditor for timely completion of audit.

• Contribute towards finalization of accounts and closure of books.
• Preparation of Balance Sheet & Submission of Management reports.
• Contribute towards expense management, payable & receivables.
• Preparing Income tax return & Service tax return working.
• Preparing fund position report & review of TDS payment.

• Statutory audit including consolidation of accounts, Statutory compliance, cash flow, fixed assets & notes to accounts.
• Physical verifications of stock and fixed assets.
• Checked VAT & Excise compliance & conducted VAT audit.
• Assisting managers in major areas of tax audits mainly u/s 43B, 40(a) and fixed assets.