Peddisetty Balaji
Audit Assistant
Vinukonda,Andhra pradesh
Summary
Meticulous and highly analytical finance professional with over 9 years of experience in auditing and financial analysis. Recognized for a proven track record in identifying and rectifying critical financial errors, including duplicate loan disbursements and income losses from missed fees. Expertise includes preparing comprehensive financial projections using advanced tools such as MS Office, Winman EA ERP, and Tally, along with proficiency in conducting detailed credit risk assessments through document verification and CIBIL analysis. Aiming to leverage skills in fraud detection and financial analysis within a dynamic finance credit department to protect assets and drive business growth. Committed to delivering precise insights that enhance financial integrity and operational efficiency.
Overview
9
9
years of professional experience
3
3
Languages
Work History
Paid Assistant
Gowri Annapurna & Co
Vinukonda
05.2019 - Current
- Financial & Fraud Detection: Successfully identified and reported significant double errors, such as duplicate loans issued due to a server mistake. My work also led to the discovery of income losses from uncollected processing fees and charges. I was specifically appreciated by the Manager and Credit Manager at Canara Bank for finding a duplicate gold loan error.
- Credit Analysis & Reporting: Prepared comprehensive financial documents for credit applications, including Projections, Project Reports, DSCR statements, and Cash Flow statements for a wide range of loan products. Utilized MS Office, Winman EA ERP, and Tally to prepare and analyze financial data.
- Credit Verification & Risk Assessment: Performed document verification, CIBIL analysis, and KYC checks for various loan types during concurrent audits. This included verifying all supporting documents and assessing the borrower's credit history.
- Loan Portfolio Audited: Conducted audits on a diverse range of loan products, including Home Loans, Vehicle Loans, Mortgage Loans, MSME Loans, and ODS.
- Financial Management: Managed bookkeeping and accounts finalization, and handled Income Tax & GST filing for various clients.
CA-Article Assistant
Kuchi & Associates
Narasaraopeta
04.2016 - 04.2019
- Tax Audits
- Internal Audits
- Concurrent Audit(C.G.G.B, Union Bank Of India,)
- Statutory Bank Audit(Andhra Bank)
- Stock Audit(Indian Overseas Bank)
- GST Audits
- GST Return Filings
- Income Tax Return Filings
Education
B.com - Commerce
Acharya Nagarjuna University
Vinukonda, India 04.2001 -
Intermediate - MPC
Krishnaveni Junior College
Vinukonda, India03-2013
SSC -
Sri Gurudatta High School
Pernamitta,Ongole, India03-2011
Skills
- Credit & Financial Analysis: Expertise in preparing Projections, Project Reports, DSCR (Debt Service Coverage Ratio) Statements, Cash Flow Statements, and CMA Data for various loan products
- Software Proficiency: Skilled in MS Office, Winman EA ERP, and Tally for financial data management and reporting
- Credit Risk Assessment: Extensive experience in CIBIL analysis, KYC checking, and document verification as part of concurrent audits for a diverse loan portfolio
- Fraud & Error Detection: Proven ability to identify critical errors, such as duplicate loan issuance and income losses from missed processing fees and charges
- Credit & Financial Analysis: Expertise in preparing Projections, Project Reports, DSCR (Debt Service Coverage Ratio) Statements, Cash Flow Statements, and CMA Data for various loan products
Timeline
Paid Assistant
Gowri Annapurna & Co
05.2019 - Current
CA-Article Assistant
Kuchi & Associates
04.2016 - 04.2019
B.com - Commerce
Acharya Nagarjuna University
04.2001 -
Intermediate - MPC
Krishnaveni Junior College
SSC -
Sri Gurudatta High School