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
NagariB.Com. - Computer Applications
SriSurya Junior College, Nagari
NagariSkills
- 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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