Shivam Aggarwal
Ferozepur
Summary
Results-driven Banking and Finance Professional with over 4 years of experience in Business Banking and Financial Analysis. Managed a ₹150 Crore SME portfolio, achieving significant loan book growth. Expertise in credit appraisal, financial statement analysis, and portfolio management. Currently seeking roles in Credit Risk and Underwriting, SME Banking and Business Banking.
Overview
1
1
Certification
4
4
years of professional experience
Work History
Relationship Manager – Business Banking
HDFC BANK LTD
Ludhiana
03.2024 - 04.2026
- Managed a Business Banking portfolio of approximately ₹150 Crore comprising 70–80 SME/MSME customers.
- Generated ₹30–35 Crore of annual fresh business through acquisition of new working capital and term loan relationships.
- Achieved 30% loan book growth through client acquisition, portfolio expansion, and limit enhancement opportunities.
- Managed CC, OD, DOD, PCFC, and Term Loan facilities while ensuring compliance with internal credit policies and regulatory requirements.
- Conducted financial statement analysis, banking conduct review, cash flow assessment, and business evaluation to assess borrower creditworthiness.
- Coordinated with Credit, Risk, Operations, Legal, and Compliance teams for sanctioning, renewal, documentation, and servicing of credit facilities.
- Maintained portfolio hygiene through timely completion of renewals, PCM, TCM, LAD, CVR, PVR, and other compliance requirements.
Accounts & Audit Manager
KNSG & CO. LLP
Bathinda
07.2022 - 03.2024
- Conducted concurrent, stock, and statutory audits for public sector banks, ensuring compliance with regulatory standards.
- Managed accounting processes, ensuring GST compliance, TDS filings, and accurate income tax return preparation for diverse business clients.
- Assisted clients during income tax assessments, regulatory proceedings, and financial compliance matters.
- Prepared Balance Sheets, Profit & Loss Statements, Cash Flow Statements, and management reports.
- Prepared CMA data, projected financial statements, and loan documentation, facilitating successful working capital and term loan proposals.
- Performed financial statement analysis, ratio analysis, and cash flow assessment for lending and advisory assignments.
Education
CA Final – Group II -
The Institute of Chartered Accountants of India (ICAI)
01-2024
CA Intermediate -
The Institute of Chartered Accountants of India (ICAI)
01-2017
Bachelor of Commerce (B.Com) -
University of Delhi – School of Open Learning
01-2016
Class XII - CBSE
DC Model International School, Ferozepur
Ferozepur01-2013
Skills
- SME/MSME Lending
- Credit Appraisal
- Credit Underwriting
- Credit risk analysis
- Financial analysis
- Cash flow analysis
- Working capital analysis
- Ratio Analysis
- CMA preparation
- Portfolio Management
- Loan Documentation
- Banking Operations
- MS Excel (Advanced)
- Relationship Management
Certification
- Advanced Information Technology Training (100 Hours), ICAI
- Advanced Excel Certification, Skill Nation
Accomplishments
- Managed ₹150 Crore SME Banking Portfolio
- Handled 70–80 SME/MSME Relationships
- Generated ₹30–35 Crore Annual Fresh Business
- Delivered 30% Loan Book Growth
- 1st Runner-Up – ICAI Ludhiana Quiz Competition
Personal Information
Notice Period: Immediate Joiner
Languages
English
Proficient
C2
Hindi
Proficient
C2
Punjabi
Proficient
C2
Timeline
Relationship Manager – Business Banking
HDFC BANK LTD
03.2024 - 04.2026
Accounts & Audit Manager
KNSG & CO. LLP
07.2022 - 03.2024
CA Final – Group II -
The Institute of Chartered Accountants of India (ICAI)
CA Intermediate -
The Institute of Chartered Accountants of India (ICAI)
Bachelor of Commerce (B.Com) -
University of Delhi – School of Open Learning
Class XII - CBSE
DC Model International School, Ferozepur