CA Shivam Bhanushali

Experience

• 

  Patel & Jesalpura, Chartered Accountants

  Feb 2016 - Nov 2016

  Articled Assistant

  As an article for Ten months,-Engaged in Statutory and Tax Audits-Book keeping work-Handled VAT and TDS filing

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  Shah Patel Shukla & Associates

  Dec 2016 - Mar 2019

  Articled Assistant

  As a article of two years,-Preparation of Final Statements i.e. BS, PL and accompanying schedules-Financial Reporting of Proprietorship Businesses, Partnership Firms, Companies & societies in accordance with Relevant Financial Reporting Framework-Tax Audit of different Entities in order to ensure Proper compliance with Income Tax & Rule made therein-Statutory Tax Audit for for UCO bank and some Nagrik Sahakari banks-Conducted Statutory Audits of various Co-operative Societies-Conducted various Stocks Audits for banks-Handled Finalization of accounts -Prepared Income Tax Returns of various Companies, Firms, Trust and Individuals-Handled Income Tax TDS work-Handled Income Tax Scrutiny-Prepared GST Returns Show less

• 

  HDFC Bank

  Feb 2021 - now

  Being a credit manager I am responsible for Credit analysis of CE, CV and Healthcare funding. Single handedly appraising all CE product loans for Pune market. The credit manager position is accountable for the entire credit granting process, including the consistent application of a credit policy, evaluate and understanding of Market risk | Industry risk & Business risk, periodic credit reviews of existing customers, and the assessment of credit credit worthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses. Show less Worked as a credit manager in Retail Agri department where the primary objective is evaluating the creditworthiness of potential customers of Gujarat state for Agri funding.Responsibilities:-Credit appraisal for Big ticket Working capital loans, making credit appraisal Memo, Note and Portfolio monitoring-Ensuring all loans and lending procedures with regulations and bank policy-Ensuring timely review and renewal of credit limits-Analysis of financial statement-Filed visit -Conduct fraud check via various third party vendors and practitioners Show less

  • Credit Manager

    Dec 2021 - now

  • Credit Manager

    Feb 2021 - Nov 2021