Rahul Agarwal

Career Objective

To pursue a challenging and growth oriented career in an organization that offers opportunities to learn & grow by delivering the results

Work Experience

HDFC bank ltd:- (July-2020 to Jan 2021)

Handling responsibility as Credit manager - Mortgage loan (Chhattisgarh) Responsibilities - Assessment, Due-diligence and decisioning of Mortgage loan proposals for Chhattisgarh region and creating a healthy mortgage portfolio book for the region. Also responsible for maintaining relationships with Stakeholders and other departments within organisations such as Branch Managers, Operations, Sales managers, DSA’s, Vendors etc.

Jan 2018 to April 2020 :-

Aditya Birla capital Ltd. (Chhattisgarh)

Credit manager - Mortgage loan (Deptt. Risk, Legal & Collections) Handling Credit Function and ensuring 100% Clean and healthy Portfolio for Chhattisgarh location. Also engaged with the Policy team and helping them regarding Various data and compliances. Also, ensuring Proper compliance of Policy and Process.

Practicing Chartered Accountants, August 2016 to December 2017:- Practicing Chartered Accountants have conducted Internal audits, Statutory audits and Bank Branch audit. Filing of Income tax returns auditing and Accounting of Individual, Firms and Companies. July 2015 to August 2016

Credit manager - Mortgage loan in ICICI bank Ltd. (Chhattisgarh)

● Assessment of loan proposal and Due-diligence of Applicants

● Analyzing financial position of Applicants, Personal Discussion with them, Study and highlight the strengths and weakness of clients, Preparing the credit appraisal memorandum

● Identifying risks related to people, systems and processes and providing risk mitigation measures

● Verifying property documents to check the legal title of the property for ensuring proper and secured mortgage

● Ensuring adherence to process & policy of I-bank-Mortgage loan department Pre-Qualifications Articleship Experience - Dec’07-July’11 Completed 3- years Experience with M/s Ramakant Gupta and Associates, Jamshedpur. One of the renowned firms of Jamshedpur.

Major assignments during articleship training period:- Statutory Bank Branch Audit

● Punjab National Bank, Gaya Branch

Statutory / Tax Audit

● Bimaldeep Steel Pvt. Ltd., Jamshedpur (Steel manufacturer)

● Soma Puf Metal Pvt. Ltd., Jamshedpur (Tata Motors ancillary)

● City Residency India Pvt. Ltd., Jamshedpur (Real estate company)

● Indo Danish Tool Room, Jamshedpur (Technical education institution)

● Mangalam Homes, Jamshedpur (Real estate firm)

Internal Audit

● Hi-Tech Chemicals Pvt. Ltd., Jamshedpur (Refractory and chemical manufacturer)

● Indo Australian Hose Mfg. Pvt. Ltd., Jamshedpur (Hose manufacturer)

● Taurus Flexible Pvt. Ltd., Jamshedpur (A TATA MOTORS ancillary) Other responsibilities accomplished

● Prepared audit programs

● Analyzed draft financial statements including preparation of notes to accounts

● Prepared & Scrutinized Excise, Service Tax & Sales Tax returns also gain knowledge of VAT audit.

● Prepared Income Tax returns of individual, firms & companies

● Vouched various books like purchase book, cash book, journal book, sales book etc.

● Knowledge & exposure to financial & accounting principles, contract laws, SEBI act, Companies Act, securities contract (regulation) act etc.

Professional Qualifications

Qualified Chartered accountant

Further I have also attended “General management & Communication Skills” Course from Institute of chartered accountants of India.

Educational Qualifications

2010 Bachelor in commerce (H) from Karim city college (Ranchi University 2007 Intermediate in Commerce from DAV public school (CBSE Affiliated) 2005 Matriculation from vidya Jyoti School (CBSE Affiliated) Computer Exposure

● Conversant in Tally.ERP9 and Microsoft office

● 100 Hours Computer training from ICAI

Personal Details

● Date of Birth : 21st April, 1989

● Father’s name : Mr. Subhash Agarwal

● Languages known : English, Hindi & Sanskrit

● Email id : adko2o@r.postjobfree.com

● Mobile no : +91-810*******

I hereby declare the above mentioned details are true to the best of my knowledge and belief. Place: Raipur (Rahul Agarwal)