Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Hobbies and Interests
Languages
Timeline
Generic

KALASH TIWARI

Lucknow

Summary

Chartered Accountant | Credit Analyst | Expertise in Risk & Compliance

Chartered Accountant and Credit Analyst with expertise in credit evaluation, financial reporting, audits, and compliance, delivering precise risk assessments and strategic financial insights

Overview

4
4
years of professional experience
1
1
Certification

Work History

Credit Analyst

ICICI Bank
Lucknow
02.2025 - Current
  • Conducted loan assessments and credit analyses to evaluate risk for diverse client profiles over 1 year.
  • Processed over 120 loan files weekly while managing a portfolio valued at ₹50 crore.
  • Analyzed credit applications for compliance with bank policies and regulations.
  • Assessed financial data to evaluate borrower creditworthiness and risk factors.
  • Reviewed credit reports to identify potential concerns and recommend actions.

Intern

T. Nagar & Company (CA Firm)
Lucknow
03.2022 - 02.2025
  • Statutory and concurrent audits of Public Sector Banks and large co-operative institutions (₹9,000 Cr assets).
  • Prepared financial statements, projected balance sheets, and CMA data to support loan documentation and financial reporting.
  • Managed direct tax compliance and provided advisory services while representing clients in litigation before CIT (Appeals) & ITAT.
  • Ensured GST compliance through timely filing of GSTR-1, 3B, 4, 9, and 9C.

Education

Chartered Accountant ( CA Final 1st Attempt) -

Institute of Chartered Accountants of India
India
11-2024

B.Com(70.39%) - Financial Analysis

Ram Manohar Lohia Awadh University (RMLAU)
India
03-2022

12th (75.60%) Commerce -

Awadh Educational Academy
Lucknow
05-2019

Skills

  • Effective communication
  • Auditing
  • Risk Assessment
  • ERP Systems
  • Financial Reporting
  • MS Office
  • Credit Software( ILens by TCS)
  • Banking regulations

Certification

Certified in GMCS, Advanced IT, and ICITSS (Information Technology & Orientation) by ICAI

Accomplishments

Recognized for leadership, all-round excellence, and achievements across academics, arts, and sports.

Hobbies and Interests

  • Playing chess
  • Travel
  • Nature photography

Languages

  • English
  • Hindi
  • English

Timeline

Credit Analyst

ICICI Bank
02.2025 - Current

Intern

T. Nagar & Company (CA Firm)
03.2022 - 02.2025

Chartered Accountant ( CA Final 1st Attempt) -

Institute of Chartered Accountants of India

B.Com(70.39%) - Financial Analysis

Ram Manohar Lohia Awadh University (RMLAU)

12th (75.60%) Commerce -

Awadh Educational Academy
KALASH TIWARI