Kritika Misra
Dehradun,UT
Summary
To pursue a challenging and growth oriented career in organizations which offer opportunities to learn & grow by delivering results. Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.
Overview
10
10
years of professional experience
Work History
Credit Analyst, Commercial Banking Group
Axis bank Limited
12.2021
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Participated in loan committee meetings to provide input on lending processes.
- Performed credit reviews on corporations to assess financial conditions.
- Improved understanding of financial statements, which helped in assessing risk.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Gathered loan documentation for underwriting.
- Assessed credit risk and analyzed financial statements.
Associate, Credit Appraisal
LIC Housing Finance Limited
12.2018 - 02.2021
- Prepared spreadsheets for pricing and field operations.
- Uploaded completed applications to appropriate credit system.
- Delivered diverse departmental administrative support to personnel.
- Generated preliminary notices per applicable state laws and standard operating procedures.
- Processed new customer credit applications accessing credit agency data to open new accounts.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Made decisions and recommendations about extending lines of credit.
- Improved understanding of financial statements, which helped in assessing risk.
- Negotiated payment plans and loan terms with delinquent customers.
Tax consultant and Senior Audit Associate
Saurabh Kishan & Co.
12.2016 - 10.2018
- Used appropriate adjustments, deductions and credits to keep client's taxes to minimum.
- Checked data input and verified totals on forms prepared by others to detect errors in arithmetic, data entry or procedures.
- Facilitated communication between clients and tax authorities.
- Utilized tax software to prepare returns and meet deadlines.
- Maintained complete records of client tax returns and supporting documentation in secured areas.
Audit associate
Wildlife Institute Of India C/o M/s Goyal Bhanot & Co.
05.2016 - 08.2016
- Followed up to assess and report corrective action completion or progress.
- Analyzed trends in financial data to investigate fluctuations.
- Gathered and analyzed financial data to determine improvement efforts.
- Administered auditing program to address risks and evaluate compliance with regulatory requirements.
- Produced and reviewed audit reports for submission to inspector general and advised on audit recommendations and internal controls.
Associate Taxation and Advisory
M/s Hemant Arora &Co.
05.2015 - 03.2016
- Supervised payments via credit and debit cards and handled sensitive information with professionalism and discreteness.
- Provided customers with best deals and well-researched travel options, successfully negotiating rates while improving customer satisfaction ratings.
- Maintained operational proficiency in coordinating both international and domestic travel accommodations for customers, arranging for airfare as well as hotel and rental car reservations.
- Arranged travel accommodations for groups, couples, executives, and special needs clients.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Handled day-to-day accounting processes to drive financial accuracy.
- Inspected account books and recorded transactions.
- Gathered, evaluated and summarized account data in detailed financial reports.
Accounts Assistant
M/s Hemant Arora &Co.
06.2014 - 09.2014
- Organized data into multiple spreadsheets to streamline data.
- Maintained clean and organized files by keeping accounts payable records up-to-date.
- Coordinated with external auditors to resolve discrepancies.
- Completed financial reports, providing insight into performance, operations, and cash flow.
Articleship training
M/s Hemant Arora & Co
04.2011 - 04.2014
- Analyzed problems and worked with teams to develop solutions.
- Sorted and organized files, spreadsheets, and reports.
- Interacted with customers by phone, email, or in-person to provide information.
- Completed research, compiled data, updated spreadsheets, and produced timely reports.
- Prepared written responses or tax return amendments to resolve state and federal notices.
- Completed and filed returns with tax departments at local, state, and federal levels.
- Calculated estimated tax payments for clients.
- Maintained complete records of client tax returns and supporting documentation in secured areas.
- Responded to inquiries from IRS and other tax authorities.
- Researched tax implications for various deductions and credits.
Education
Masters in Commerce - Finance
HNB Garhwal University
DAV PG College , Dehradun01.2015
CA INTERMEDIATE - FINANCE
ICAI
DEHRADUN08.2012
Skills
- Well versed with MS office (MS Word, MS Excel)
- Experienced in working on Tally 72, Tally ERP 9
- Banking softwares at Axis bank
- Credit Reporting
- Underwriting
- Lending regulations
- Financial statement review
- Credit risk
- Verbal and written communication
- Statement Review
- Financial statement analysis
Languages
English
Hindi
Profile Summary
Admirable capacity to improve and maximize overall business and finance function integration through effective communication processes., Experienced in keeping the records of daily financial transactions and analyzing the financial aspects of organization., Knowledge of commercial credit and fine credit quality skills including accounting, financial statement analysis and cash flow analysis experience, Ensuring quality of assets remain with acceptable parameters of policy guidelines., A detail oriented with excellent knowledge of accounts, possesses experience in financial planning, analysis and accounting principles.
Academia
C.A Final Group I cleared, Group II result awaited, C.A IPCC with 57% in 2012, M.com from HNB Garhwal University with 64%, B.Com from HNB Garhwal University with 65%, ICSE from Cambrian Hall School, Dehradun with 83%, ISC from Cambrian Hall School, Dehradun with 79%
Training And Work Experience
- Articleship training, M/s Hemant Arora & Co, Dehradun, 04/01/11, 04/01/14
- Accounts Assistant, M/s Hemant Arora & Co., Dehradun, 06/01/14, 09/01/14
- Associate Taxation and Advisory, M/s Hemant Arora & Co., Dehradun, 05/01/15, 03/01/16
- Audit associate, Wildlife Institute Of India C/o M/s Goyal Bhanot & Co., Dehradun, 05/01/16, 08/01/16
- Tax consultant and Senior Audit Associate, Saurabh Kishan & Co., Dehradun, 12/01/16, 10/01/18
- Associate, Credit Appraisal, LIC Housing Finance Limited, Meerut, 12/01/18, 02/01/21
- Credit Analyst, Commercial Banking Group, Axis bank Limited, Noida, 12/01/21, present
Domains
- Conduct financial analysis of transaction opportunities: analyze financial statements & other personal and credit Data to determine the credit worthiness of applicants, review industry data, third party reports (appraisal report, environmental and property condition assessment), product type, customer base and macro-economic climate
- Statutory Audit: Sara Sae Pvt Ltd, Oberai Group dealing in automobiles, spare parts and servicing of vehicles,Town Table Restaurant, Uttaranchal Transport Corporation
- Internal Audit: Uttarakhand Purva Sainik Kalyan Nigam Limited, State Project Managment Group-Namami Gange(GOI Undertaking), BRIDCUL (Bridge ropeways, tunnels and other infrastructure development Corporation of Uttarakhand Ltd)
- Charitable Organisations: Summer Valley school, Sun Valley School, Sainik Punarvas Sanstha Tax Audit: ONGC India Ltd., Uttaranchal Transport Corporation Ltd
- Accounting and budgeting assignment: Wildlife Institute Of India
- Stock Audit: Gujarat Co-operative Milk Marketing Federation Ltd. (GCMMF), Vishal Mega Mart India
- Search and seizure proceedings u/s 147 and 148 including representing the same before authorities' associate
Key Responsibilities Handled
- Managing overall accounting and auditing operations
- Drawing up balance sheets and prepare terminal audit reports with detailed financial reporting. Valuation of company assets and liabilities. Complete accounting functions for classified transactions.
- Providing support to client towards taxing authorities during litigation involving statutory financial and other indirect tax compliances
- Comprehending process of extending credit using sanction guidelines for detailed financial analysis to evaluate proposal feasibility
- Maintain meticulous attention to detail in underwriting mortgages. Evaluating financial strength of borrower to determine risk and repayment capacity.
- Knowledge of Basics in macro economic indicators, bank's balance sheet, trade transactions ( LC, BG) and through analysis while appraising borrower profile including :
- Due diligence( Cibil, Crilic etc)
- Banking arrangement(Analyzing bank statement and their conduct)
- Conducts of different banks
- Analysis of balance sheet
- Analysis of ratios
Personality Traits
- Strong motivational and leadership skills
- Exceptional presentation and interpersonal skills.
- Communication skills in written and verbal areas
- Ability to work in team and individually
- Highly trustworthy, discreet and ethical
Personal Information
Date of Birth: 03/07/91
Hobbies and Interests
- Reading
- Music
- History
Timeline
Credit Analyst, Commercial Banking Group
Axis bank Limited
12.2021
Associate, Credit Appraisal
LIC Housing Finance Limited
12.2018 - 02.2021
Tax consultant and Senior Audit Associate
Saurabh Kishan & Co.
12.2016 - 10.2018
Audit associate
Wildlife Institute Of India C/o M/s Goyal Bhanot & Co.
05.2016 - 08.2016
Associate Taxation and Advisory
M/s Hemant Arora &Co.
05.2015 - 03.2016
Accounts Assistant
M/s Hemant Arora &Co.
06.2014 - 09.2014
Articleship training
M/s Hemant Arora & Co
04.2011 - 04.2014
Masters in Commerce - Finance
HNB Garhwal University
CA INTERMEDIATE - FINANCE
ICAI