Kuntal Bhatt

Burlington Township, *****,NJ

Moblie : 215-***-****

Email : ad18ri@r.postjobfree.com

Corporate Finance Professional

A Versatile, accomplished and goal-oriented professional with 25 years of experience in Corporate Finance, Underwriting, Portfolio Management, General Accounting, Banking Operations, MIS Reporting, Banking Product Development, Business Growth, Stakeholders engagement, with proven track record of delivering consistent business results. Education

US- CMA (Certified Management Accountant) from IMA, NJ (Institue of Management Accountant), in August -2022. Certificate Number - 112679

ICWA (Masters in Accountancy) - Institute of Cost&Works Accountantsof India, Kolkata in 1997

B.S. from Gujarat University, Ahmedabad, India in 1991

Other Skills – Working knowledge of MS- Excel & MS – Word Professional Experience

Assistant Accountant August 2023 onwards

Vrunda LLC / Jatan LLC, Cumberland, MD,USA

Bank Reconciliation on Daily basis. Report Discrepancies and take corrective actions.

Sales Tax calculation and maintaining Record and timely payment state wise as and when due on Monthly / Quarterly basis.

Cash Flow Management with control on Account Payable and Account Receivables.

Update records of required licences, permissions and other compliances.

Maintain track of cash sales on counter and update records.

Provide required data to Statutory Auditor.

Financial Advisor May 2019 to July 2023

Allbright Packging Pvt Ltd, Mumbai, India

Assessing the clients' financial situation by gathering information regarding investments, asset allocation, strength of product, market potential, inherent risks and overall risk tolerance.

Developing financial strategies by framing budgets & plans for Long Term and Short-term periods. Guiding to establish financial goals; matching goals to situation with appropriate financial plans.

Monitoring operations and financial status on periodic basis by tracking deviations between actual performance vis-à-vis budgets accordingly modifying short term strategies on continuous basis.

Arranging Bank finance time to time by way of Working Capital funding, Short-term and Long-term Loans for various regular routing expenditure as well as capital expenditure.

Cash Flow Management with control on Account Payable and Account Receivables.

Ensuring cost effectiveness of Purchases, Discount availed, Discount allowed Outside Borrowing

Participating in planning for future strategies with main focus on Topline Growth, Bottomline Growth, Brand establishment.

Guiding for Balance Sheet Strength with Adequate Funds, Strict statutory compliance and ethical practices.

Vice President - Corporate Finance (Medium Enterprise) May 2018 to April 2019 Axis Bank, Mumbai, India

Handling 200 + accounts of Medium size Enterprises, having portfolio of INR 12 Billion with team of 5 subordinates. I was reporting to Senior Vice President.

Spearheaded the complete Sales, Corporate Finance, Credit Risk Management, General Accounting, Audits, Client Servicing, Revenue Management, Legal Operations, Business Development, Key Account Management, Product Management, Customer Servicing, Promotional Activities, Training & Development and People Management

Devised new strategies which assisted in achieving the set targets; augmented the growth of Portfolio; assessed the needs of client & accordingly directed the cross-selling of products

Successfully achieved the advance & income budgets

Converted multiple leads, ensured high profitability & augmented the sales of cross-sell product

Monitored securitized portfolio’s transactions, pre and post disbursement documents tracking, monitored the accounts for banking products

Identified prospective clients, generated business from new accounts & developed them to achieve profitability

Worked closely with the credit team, product and sales teams to forecast and analyse revenue performance and trends, and ensure that product initiatives, risk, prospective new deals/expansions and other business impacts are incorporated into the operating plan Deputy Vice President - Corporate Finance (Small Enterprise) May 2013 to April 2018 Axis Bank, Surat, India

Handling 600+ accounts of small size Enterprises, having portfolio of INR 9 Billion with team of 18 subordinates, consisting 8 Credit Analyst & 10 Portfolio Managers. I was reporting to Vice President.

Successfully achieved the advance & income budgets

Converted multiple leads, ensured high profitability & augmented the sales of cross-sell product

Assessed the needs of clients and accordingly charting out viable finance portfolio after considering financial, legal and technical aspects

Monitored securitized portfolio’s transactions, pre and post disbursement documents tracking, monitored the accounts for banking products

Identified prospective clients, generated business from them to increase profitability

Constantly interacting with Team to understand and resolve client’s concerns & complaints.

Identified training needs across levels through mapping of skills required for particular positions and analysis of the existing level of competencies & organized induction training for new recruits

Worked closely with the credit team, product and sales teams to forecast and analyse revenue performance and trends, and ensure that product initiatives, risk, prospective new deals/expansions and other business impacts are incorporated into the operating plan Senior Manager - Corporate Finance (Small Enterprise) December 2007 to April 2013 Axis Bank, Vadodara, India

Handling 200 plus accounts of Small size Enterprises, having portfolio size of INR 3 Billion with team of 4 subordinates, consisting 1 Credit Analyst and 3 Portfolio Managers. I was reporting to Deputy Vice President.

Scope of work, responsibility and achievements are similar to the tenor mentioned above (i.e. from May 2013 to April 2018) but scale of operations, numbers of account, complexity of matters and team size were comparatively lower/smaller.

Credit Analyst / Underwriter February 1998 to November 2007 Central Bank of India, Ahmedabad, India

Prepare Credit analysis for loan requests with evaluating financial statement, collateral analysis, risk ratting recommendation, identifying strengths and weaknesses of the proposed client

(specifically Commercial and Industrial lending).

Such analysis is inclusive of various financial ratio to evaluate financial status to submit to higher competent committee.

Managed the appraisal of Working Capital requirement and Long-Term Loan Proposals. Conducted financial analysis of all loan proposals; analysed the credit worthiness of customers before approval of credit facility. Putting up appraisal note to competent authority for their approval.

Monitored the entire borrower accounts and implemented preventive initiatives which avoided the slippage of performance and conduct.

Acquired quality assets which enhanced the image of the bank in the segment across the region

Continuous credit review of existing accounts periodically to check health of the account.

Work with cross functional areas including IT, Operations, HR and other internal group.

Suggest innovation, policies & tactics which contribute towards overall development of business. Teller & Front Desk Attendant September 1991 to January 1998 Central Bank of India, Ahmedabad, India

Successfully handled Customer from Front Desk of Branch in various departments, viz – Saving Accounts, Business Accounts, Fund Transfer, Loan Accounts, Cash Dept etc

Maintained Book keeping and Assisted Branch Manager for smooth daily operations and achieving yearly goals of the Branch.

PitnGo 1 : Vrinda LLC- 17521, Lower Georges Creeck Rd sw, Lonaconning, MD - 21539 PitnGo 2 : Jatan LLC – McMullen Hwy, Cumberland, MD – 21502 Glassmere Oil, Woodford Oil, Mirabit Oil, Columbia Gas….. Pepsi, Coke, Sledd, Sysco Food, Home Ice, Breezeline

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