Shivam Sharma
Indirapuram
Summary
To work with a growth-oriented organization of repute to achieve the organizational goals with adoption of methodical approach & to deliver above expectations.
A dynamic Commerce Graduate with CA Inter G1 Qualified Professional having 6 Years+ of cross-cultural experience in General Accounting, FP&A and Commercial banking. Experienced with tools such as SAP B1, SOREX, Oracle JD Edwards Tally, & MS OFFICE etc. Seeking position where my skills will contribute to a strong team effort
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Financial Analyst
Clearwater Analytics( Shenzyn Consulting)
08.2024 - Current
- Conducting analysis of financial data, including but not limited to income statement, balance sheet and cash flow statement.
- Preparation of financial statement in accordance with the new guidelines set by the NAIC( Insurance regulatory authority of U.S.) .
- Assist in the development and implementation of new financial policies and procedures.
- Providing support to internal and external audit teams.
- Collaborating with cross-functional teams to support business initiatives and strategic decisions.
Senior Financial Analyst
NATWEST INDIA PVT, LTD.
03.2023 - 02.2024
- Portfolio Management- Commercial Lending
- Calculate EBITDA, Debt coverage ratio, Different profit margins, solvency ratio, analyzing the liquidity status, LTV, LGD, PD, CFADS
- Calculating the borrowers exiting debt service liability from the financial statement and adhering to the conditions, covenants and compliant ratios
- Identifying the risk factors for the bank while taking lending decisions
- Reading and interpretation of Facilities agreements, perform covenant testing and decide whether covenant is breached or passed
- End to end handling of the client portfolio as Portfolio Owner
- Dealing with daily services to the client, delivering to the business needs and controls to support the business development
- Risk assessment of the portfolios every year while renewing the facilities falling overdue every month
- Includes various needs like security requisition, releasing upon loan repaid, creating new connection, credit confirmation on critical issues
- Annual Renewal of the existing facilities availed by the customers
- Regular analysis of the RBS customer excess limit and taking appropriate actions to their payments processing in collaboration with the Relationship Manager in UK
Senior Executive
EXL Pvt. LTD
01.2022 - 03.2023
- Part of the transition team, helps in successful transition of the process
- Prepared & updated SOP for smoothening the process and for training of new team mates
- Punching (financial Spreading) of UK client’s financial data (Income statement, Balance sheet, Cash Flow, Notes to accounts) into In-house financial analysis application
- Calculation of ratios such as Monitoring formula (MF), Capital adequacy ratios, Net profit margins, gross profit margins, working capital ratio
Process Developer (BFSI)
Genpact India Pvt. Ltd
07.2021 - 01.2022
- Analysing all the information from the loan documents, paystubs, appraisal reports, title documents, and borrower eligibility documents and processing it into the system
- Reviewed title accuracy and obtained appropriate documents to clear title issues
- Analysing borrower’s paying capacity through different income proofs, paystubs and employment documents
- Report for creditworthiness, paystubs, income and employment documents
- Verifying license requirements through NMLS and REGS, Following Fannie Mae and Freddie Mac guidelines
Executive
Eapro Global Limited
07.2017 - 03.2021
- Maintenance of Petty Cash Books
- Responsible for Debtor & Creditor Reconciliation on Monthly basis
- Responsible for Calculating Drawing Power and submit the same to Banks for cash credit Facility
- Preparation of projects reports for the new projects and negotiation with banks for the loan facilities
- Responsible for Fixed Assets Entries
- Assist in Preparation of Financial Statement
Education
CA-Inter (G-1)
ICAI
11-2018
B.com(H) -
Mewar University
07-2017
12TH -
CBSE
03-2014
10TH -
CBSE
03-2012
(6/13)
ACCA
Skills
- Financial statement analysis
- Lending decisions
- Risk assessment
- Ratio analysis
- Financial instruments
- Preparation of financial statements
- Bank reconciliation
- Time management
- Strong communication skills
- Influential skills
- Flexible
- Self-motivated
- MS Office
- TALLY ERP 9
- SAP B1
- Oracle JD Edwards
- CRM
Certification
- Completed Information Technology Training of 100 Hours at Haridwar Branch of ICAI
- Completed Orientation Course of 90 Hours at Haridwar Branch of ICAI
- Completed Beginner to advanced Certificate in excel through Udemy
- Done Workshop on advance Excel from Skill Nation
Timeline
Senior Financial Analyst
Clearwater Analytics( Shenzyn Consulting)
08.2024 - Current
Senior Financial Analyst
NATWEST INDIA PVT, LTD.
03.2023 - 02.2024
Senior Executive
EXL Pvt. LTD
01.2022 - 03.2023
Process Developer (BFSI)
Genpact India Pvt. Ltd
07.2021 - 01.2022
Executive
Eapro Global Limited
07.2017 - 03.2021
- Completed Information Technology Training of 100 Hours at Haridwar Branch of ICAI
- Completed Orientation Course of 90 Hours at Haridwar Branch of ICAI
- Completed Beginner to advanced Certificate in excel through Udemy
- Done Workshop on advance Excel from Skill Nation
CA-Inter (G-1)
ICAI
B.com(H) -
Mewar University
12TH -
CBSE
10TH -
CBSE
(6/13)
ACCA
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