Ami Panjabi, CPA

818-***-**** ac8fot@r.postjobfree.com California 91602

Authorized to work in the United States for any employer

PROFESSIONAL SUMMARY

An experienced Accounting & Finance professional with 9 years of experience in financial accounting & reporting, auditing, financial statements analysis, risk assessment, compliance practices, and portfolio monitoring.

Areas of Expertise:

Financial Accounting & Reporting US GAAP Financial Planning & Budgeting Compliance Management SOX Due Diligence Financial Modelling Internal Audit Credit & Financial Analysis Training & Mentoring Microsoft Office Suite

EDUCATION

Gujarat University (State University)

Bachelor of Commerce, Accounting & Cost Management

Gujarat University (State University)

Master of Commerce, Advanced Accounting & Financial Management

Certifications & Licenses:

American Institute of Certified Public Accountants

Certified Public Accountant (CPA)

Institute of Chartered Accountants of India

Chartered Accountancy (CA)

EXPERIENCE

ICICI Bank Ltd (Forbes Global Rank 2018- #320) Gujarat, India Sr. Credit Manager July 2014 – October 2016

Managed and reviewed over a $250MM lending portfolio over the 2 years with credit approval authority up to $400M per application and monthly processing more than 600 applications with 98% perfect audit rate.

Prepared credit recommendation for loans up to $7MM and achieved the highest rating during Balance Score Card (hind-sighting report) review among 260+ senior credit underwriters nationwide.

Expanded the product portfolio at an 18% YoY growth rate and the least delinquency rate of 0.02% with the second lowest nationwide.

Conducted periodic SOX compliance & Quality control audit and communicated control gaps to sr management resulting 0.03% operation errors in region for consecutive 3 years. Awarded a spot bonus and a letter of recognition for outstanding performance in promoting more controlled operations via implementing control methodology and cross training team on various supporting functions.

Managed and mentored team of 5 sr. credit analyst & 35 loan officers in credit analysis, customer service skills, developed effective training measures on policy and procedures for new credit managers.

ICICI Bank Ltd (Forbes Global Rank 2018 - #320) Gujarat, India

Credit Manager August 2012 – July 2014

Evaluated more than 180+ monthly applications, while maintaining TAT of 72 hours (National Avg. 96 hours) with 95% perfect audit rate.

Prepared credit recommendations along with financial, economic & market research reports by using various financial modeling tools to facilitate decision making for highly complex applications.

Interacted with high-value clients to assess the nature of the business, operation processes, cash flow & use of funds.

Performed lending limit assessment, including analyzing creditworthiness, repayment capacity, and collateral valuation to determine financial risk and default risk by using various financial modeling schedules.

Performed standard financial risk assessments such as fixed obligations to income ratio (DTI), income to net savings ratio, debt to equity ratio, debt service coverage ratio, loan-to-value ratio, analysis of credit score, including past repayment track utilized credit analysis skills and financial modeling tools to determine cash flow ability, assign risk ratings to loan portfolios.

ICICI Bank Ltd (Forbes Global Rank 2018 - #320) Maharashtra, India

Internal Audit Manager May 2011 – August 2012

Planned and performed risk based internal audits and risk reviews of retail business products (portfolio worth $5 Bn) and regional process.

Handled critical whistle-blower cases including fraud evaluation, preliminary fact-finding, reporting and recommendations for closure of cases.

Recognized by MD for outstanding performance in conducting audit of Code of business conduct and ethics as a part special team under the direct supervision of senior executives.

Identified and evaluated critical risk areas to define the audit scope and audit approach, participated in planning risk assessments, process walk throughs, execution of audit engagements, communicating audit results to senior management.

Drafted critical reports to the audit committee on key findings based on risk assessments, risk severity, business impact, internal control gaps, and enhancement opportunities.

Baheti Bhadada & Associates- Public Accounting Firm Gujarat, India Article Assistant (Intern) – Accounting & Auditing December 2006 – July 2010

Prepared monthly, quarterly, and annual journal entries, ledgers, trial balances, accruals, financial statements, reconciliations, reports, and managed financial reporting in compliance with GAAP.

Supported FP&A and accounting management team in the process of budgeting and forecasting by performing budget to actual variance analysis using budget model monthly to develop relevant, timely reports on financial data analytics.

Prepared Credit Monitoring Arrangement data (CMA), cash flow statements and regular reconciliations using various financial models.

Successfully implemented new accounting SAP software and integrated data from old database (Tally 9) to new account processing tool.

Conducted / Assisted in operational, financial and SOX compliance audits for various clients, prepared reports on findings, conclusions, and recommendations for management on internal control and process improvements.

ADDITIONAL

Technical skills:

MS Office Suite (expertise in Excel, Access, Word and PowerPoint, Pivot tables, etc. 9+ yrs), Data manipulations tools (7+ yrs), SAP (5 +yrs), PeopleSoft Financials (2+ yrs), Bloomberg Terminal, Finnone (5+ yrs), Finacle(5+ yrs), Financial modeling – Three statement model, DCF model, Forecasting model and budget model (6+ yrs), APS, Quickbook (6+ yrs), Tally ERP (4+ yrs) Pentana audit software (2+ yrs) (Can quickly learn new technical skills as required).

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