Manprit Singh Bhamra

• Assessed credit risk and analyzed financial statements.
• Conducted presentations to upper management and executive teams for loan recommendations.
• Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
• Made decisions and recommendations about extending lines of credit.
• Improved understanding of financial statements, which helped in assessing risk.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.

• Analyzing position of Post Disbursement documents pendency to keep risk from both business and audit perspective at low level for ABG division. Also prepared process in which regular
• DMA (Direct marketing Agents) empanelment verification and Payouts for each group they refer at central level right from preparing vocher to releasing payments to each DMA.
• Process implemented to identify customers with help of Credit team out of total base of customer to whom we can register under MSME Udyam Certificates to improve PSL category customer to meet RBI requirement relating to PSL positioning and give lending to customer at much competitive rate and also implement process at system level to get updated and verified Udyam Number automatically in system.
• Prepared process in order to comply with RBI norms on Unhedged Foreign Currency Exchange Provisioning need to be created at division level. • Preparing Processes to handle Audit Queries.
• Preparing process to enable Relationship Managers to reduce overall TAT of Disbursement like Digi Sign based renewals, enhancement where all documents get digital signed.
• Handling overall PAN India Delegation matrix in system.
• Established criteria for each milestone within product roadmap as means to measure developmental progress.
• Conceptualized and deployed enhanced product features and optimized implementation for use in marketing strategies.
• Maintained positive vendor relations to build strong partnerships.
• Directed planning and budgeting efforts.
• Reduced project downtime with quality product inspections.

• Mainly Stock verification and variance Anaysis of Hardcastle Restaurant Pvt.Ltd. Warehouse in Bhiwandi and Mc Donald’s Store and verifying reports sent for same by associates.

• TDS liability of Grindwell Norton (Saint Gobain)Gujurat, Halol, Nagpur, Bangalore , Himachal Branch.

• Filing GST Returns.

• Reported back to instructor to receive day-to-day tasks and responsibilities.
• Provided clerical support, addressing routine and special requirements.
• Working Knowledge of systems like Tally ERP 9, Smart Office, CompuOffiice, Finacle, CBS, etc.
• Individual and Small firm ITR preparation, TDS, Vat returns and Book keeping of Schools and firms.
• Stock Audit of Mills and mfg. firms. • Revenue Audit of PNB, OBC and Punjab & Sind Bank.
• Finalization of Accounts of firms mainly Iron Casting, Machinery manufacturers and Gas Filing Stations.
• Audit of various firmsincuding preparation of Form 3CA/3CB and 3CD.
• TDS Revised returns and notices from Income Tax and Traces compliance. • Concurrent Audit of PSB and OBC Bank.
• Statutory Audiit of State Bank of India (Rajouri, Akhnoor and Jammu Branch). • Statutory Audit of New India Assurance.
• Vat 20 filing, Form 15CB and 15CA