Vivek Sharma

• Financials analysis of borrower which includes financials performance, Ratio analysis, projections ,account conduct ,banking analysis etc.
• Processing new deals, interim proposals and renewal including preparation of credit appraisal memo (CAM) & presenting the case to sanctioning authorities.
• Examined documents to determine degree of risk from health, financial standing and value and condition of property.
• Established maximum loan amounts according to underwriting standards.
• Analyzed financial information including income, assets, liabilities and credit history of applicants.
• Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
• Assessed potential risks associated with each transaction prior to approving loans.
• Participated in regular training sessions regarding updates in relevant laws or regulations.

• Financials analysis of borrower which includes financials performance, Ratio analysis, projections , account conduct ,banking analysis etc.
• Processing new deals, interim proposals and renewal including preparation of credit appraisal memo (CAM) & presenting the case to sanctioning authorities (upto NCM) and having sanctioning authority of Rs. 75 Lacs.
• Determined appropriate risk rating based on analysis of borrower's financial profile.
• Prepared written summaries outlining reasons for approving or denying loan requests.
• Co-ordinate with business team, Legal, Technical, Operation and risk to ensure smooth disbursal of sanctioned proposal.
• Ensured that all credit and loan standards were applied.
• Portfolio monitoring which includes End use monitoring, timely interest and EMI servicing, churning analysis, adherence to stock statement , Visit report. Insurance of stock/property and other related compliances as per policy.
• Conducting training sessions of business and liability team.

• Involved in preparing tax returns of US Hedge Funds.
• Supporting Services relating to tax estimates.

Statutory Audits

• Aashi Gifts Pvt. Ltd.
• UCO Bank ,Mahesh Nagar,Jaipur

Internal Audits

• Halcyon Technologies Pvt. Ltd.
• Kaya Kalp Herbal Clinic

Taxation, Company Law and Other Matters

• Checking of Internal controls and identifying key risk factors Analytical work like ratio analysis, machine hour analysis,machine idle time analysis.
• Compilation of Income Tax and Tax Audit Reports for Corporates, Individuals and E- filing of the same.
• E- Filing of annual returns, forms and documents with MCA, Ensured compliance to the relevant auditing and accounting standards, company law matters and other statutes TDS compliances.
• Assistance in CIT / ITAT appeal documentation.