Summary
Overview
Work History
Education
Skills
Languages
Disclaimer
Timeline
Generic

Rajesh BB

Nagari

Summary

Engage in process adhering on rules and guidelines with my technical skills and analytical abilities in a corporate that would uplift my professional growth while being resourceful and innovative.

Overview

7
7
years of professional experience

Work History

Credit Manager

TATA CAPITAL LIMITED
10.2024 - Current
  • Process loan applications ensuring that policies relating to income, technical and legal aspects were adhered.
  • Co-ordinating with Sales, Technical and legal teams and maintains pace of completing the file with TAT.
  • Study & ensure encompassing customers Business flow process / Products /Income /Profitability / Capacity/ Commitments / Existing Repayment History.
  • Analyze financial information and risk assessment notes for each applicant and communicate the findings with accuracy to appropriate authority.
  • Review and recommend loans by analyzing financial information background, credit reports, banking and asset information beside considering the Applicants requirement and nature of Business in long-term.
  • Recommending file with meticulous attention to details.
  • Strong analysis capabilities and the ability to communicate finding through reports.
  • Maintains transparency at all levels of loan process till disbursal and ensure all aspects were followed with proper documentation.
  • Post disbursement documenting Over the counter documents with utmost importance and proper reverts for audit queries.
  • Post Disbursal follow up on repayment with processed files and assists applicants in case of any technical issues and resolved the same to maintain clear portfolio.
  • Preparation of Daily credit MIS.
  • Process over 20+ files per month.
  • Department: Mortgage Term Loan (LAP)
  • Duration: Oct-2024 to till Date

Credit Process Appraisal

BUZZ WORKS BUSINESS SERVICES PRIVATE LIMITED
Chennai
05.2023 - Current
  • Verifying the Customer’s documents/files submitted by Sales team for all cases/proposals.
  • Raising Queries and pending documents list to Sales for case to case basis.
  • Detailed Analysis of Customer CIBIL, Financials, Banking and other income documents to understand Client’s Cash Flow and assessing their income.
  • Initiation of Customer’s Personal and Business Verification report.
  • Study & ensure encompassing customers Business flow process / Products /Income /Profitability / Capacity/ Commitments / Existing Repayment History.
  • Preparing CAM and Profile Description based on analysis on the documents.
  • Presented CAM on appropriate Products other than LAP includes LRD, Banking & GST Surrogate.
  • Client: KARUR VYSYA BANK LIMITED, Chennai
  • Department: Mortgage Term Loan (LAP)
  • Duration: May-2023 to till Date

Assistant Accountant

K. ARUNKUMAR & ASSOCIATES
05.2021 - 07.2022
  • Prepared and maintained Cash flow statements and forecasting finance in the given accounting period.
  • Performed reconciliations of bank accounts, ensuring accurate records and identifying inconsistencies.
  • Managed and Reconciled receivable and payable reports respectively on monthly basis to confirm the accuracy.
  • Engaged in Annual Audit of companies and inspection of Books and evaluation of the company’s financial statements with check on the supporting documents.
  • Strong experience in Direct Tax management and done Income Tax filings within due timings as per the CBDT Norms.
  • GST Registrations and Filings that includes monthly returns GSTR-1, GSTR-3B and Annual Returns GSTR-9 & GSTR-9C as per CBIC Norms.
  • Worked on GST Refund applications and resolved post-application clarification with GST Authorities over the due process.

Article-ship Assistant

K. ARUNKUMAR & ASSOCIATES
05.2018 - 04.2021
  • Reconciliation of Bank statements.
  • Filing Income tax returns of individuals.
  • Assist in the preparation of financial statements and reports.
  • Filing of GST returns and TDS returns.
  • Preparation of GST Refund applications and resolved post-application clarification with GST authorities over due process.

Education

M.Com. - Finance

Govt. Degree & PG College Nagari
Nagari

B.Com. - Computer Applications

SriSurya Junior College, Nagari
Nagari

Skills

  • Problem solving capabilities
  • Ability to grasp new things quickly and learning new things
  • Good communication skills, Team facilitator
  • Good interpersonal relationships with peers and superiors
  • MS-Office
  • Tally ERP-9

Languages

English, Telugu, Tamil

Disclaimer

I hereby declare that all the information listed above is true to the best of my knowledge and belief. Date: Place: Chennai Yours sincerely (RAJESH BB)

Timeline

Credit Manager

TATA CAPITAL LIMITED
10.2024 - Current

Credit Process Appraisal

BUZZ WORKS BUSINESS SERVICES PRIVATE LIMITED
05.2023 - Current

Assistant Accountant

K. ARUNKUMAR & ASSOCIATES
05.2021 - 07.2022

Article-ship Assistant

K. ARUNKUMAR & ASSOCIATES
05.2018 - 04.2021

M.Com. - Finance

Govt. Degree & PG College Nagari

B.Com. - Computer Applications

SriSurya Junior College, Nagari

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