CA LOKESH POKHARNA (CA & B.com)

Career Objective:

• To secure a contributing and long term career opportunity to fully utilize my learning’s, knowledge, and skills in the success of the organization predominantly in the vertical of Banking, Finance, Financial Planning & Analysis, Budgeting, MIS, and all set of commercial functions.

Summary of Professional Background:

• Presently working as a credit analyst with one of PSU bank in the Indian banking industry. My job role involves working on credit appraisal & due diligence process for SME & corporate borrowers. Past experience imbibes in Commercial vehicle, Construction equipment finance with HDFC bank and in Costing, MIS, and FP & A with various steel products manufacturing company based out of Gujarat.

Academic Background:

Exam Year of pass Institute/Board

10th June,2005 RBSE

12th June,2007 RBSE

CA January, 2012 ICAI, New Delhi

B.com June,2010 MLSU, Udaipur

Post Qualification Experience (From Recent to previous) Co. Name Bank of Maharastra [Jabalpur zonal office] Period From Feb. 2018 to Present

Designation Credit Manager – MSME and corporate finance Job Profile • Understanding the project and credit requirements of borrower.

• Understanding the underlying revenue, cost assumption & cash-flow of given project.

• Financial analysis of financials.

• Evaluation, assessment of fund based and non fund based credit facilities such as working capital limits, term loans and bank guarantees of clients engaged in variety of sectors ranging from manufacturing, trading and service sectors as per banks extant guidelines.

• Preparing proposal note for submission to higher authorities as per delegated lending powers.

• Handling concurrent auditor’s observations.

• Undertaking timely review / renewal of credit facilities of existing borrowers.

• Restructuring of stressed accounts as per RBI and bank’s lending policy. Co. Name HDFC Bank Ltd [Ahmedabad]

Period From Jan. 2016 to June 2017

Designation Credit Manager – CV / CE (Catering credit demand of transport and contractors) Job Profile • Assessment, approval and recommendation of commercial vehicles and commercial equipments funding proposal mostly having ticket size up to 5 Cr.

• Worked within TAT to ensure timely decision of the proposals sourced. CA LOKESH POKHARNA (CA & B.com)

• Customer visits done wherever required.

• Vendor management like CPA, CPV, Valuers to ensure online and timely output from the concern agencies

• Tracking of deferrals and sending it to Sales team for timely closure, Tracking of ED cases, and NPA levels of the location

• Assisted for IT up gradation and system based working initiatives of the bank

• Meeting with allied departments like Sales and Operations to ease the working system. Co. Name Mangalam Alloys Ltd, [Plant at Chhatral GIDC, Near Kalol, District – Gandhinagar, Gujarat] Co.

Business

Engaged in manufacturing of steel products such as ingot, flats, round bars, bright bars and nut bolts having furnace, roiling mill manufacturing facilities at Chhatral plant. Period From June 2012 to Dec 2015

Designation Finance Executive

Job Profile • Preparation of monthly & cumulative Profit and Loss position, Balance sheet, Financial Projections, MIS reports, debtors creditors position reports, BEP analysis, variance analysis reports, Order Gap and margin analysis reports.

• Managing whole plant stock/inventory, MIS reporting, department and product wise costing, forecasting, budgeting and Cash flow preparation.

• Analysis of Product cost, standard cost, job cost, department cost and overall plant cost on continuous basis.

• Gained exposure in Inventory management, new product and new investment cost benefit analysis.

Strengths:

• High Integrity, Multitasking, Enthusiastic.

Pre-Qualification work experience :

Served as article assistant at M/s. Nyati Mundra & Co. Chartered Accountants (having more than 10 partners) for 3 and half years. Gained exposure in various domains including stat audits, bank concurrent audits, tax audits, accounting of diversified organizations, CMA data preparation and project finance etc.

Personal Details

Father Name: Shri Suresh Chandra Pokharna

DOB: 19th June 1990

Contact Details: Cell 756-***-****

Hometown : Chittorgarh [Rajasthan]

Languages known: Hindi, English, Marwadi & Gujarati.

Declaration:

I hereby declare that above given information is true & correct to the best of my knowledge & belief. Date:

Place: (Signature)

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