SHAILENDRA SINGH
CHARTERED ACCOUNTANT
Mobile: 9999632188 Email:
In quest of higher level assignment in Banking and Finance with a reputed organization.
Ø A Chartered Accountant with around 8 years work experience in Banking specially in Risk Management, Credit Appraisal of large corporate borrower, Finance and Statutory Compliance & Liaison.
Ø Proficient in developing and implementing Risk Management Plans to steer the overall performance of the organization with a focus on bottom line growth.
Ø A keen analyst with exceptional relationship, management & negotiation skills
Ø Strong analytical & organizational abilities with adeptness in formulating accounting and internal control systems.
Ø Target and achievement oriented highly motivated and committed professional with high passion.
Ø Excellent communicator having leadership qualities.
CORE COMPETENCIES
Ø Credit Analysis: Doing Credit appraisal of large corporate borrowers belongs to numbers of industries especially in Real Estate and Steel. Its include understanding creditworthinessof borrower and preparation of appraisal note in consonance with the Corporate Credit Policy and making suitable recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing etc. Meeting customers to understand the business model / seek clarification on business.
Ø Analysis of Financial Statements: Financial analysis of Balance Sheet, Income Statement, Cash flow Statement, Notes to Accounts & Evaluation of financial ratios, Market Data. Peers Analysis and Cash flow Models /Forecasts. Ensures risks are thoroughly and objectively assessed for borrower and taking into account all relevant financial, regulatory and market information. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Generate financial ratios, using computer programs, to evaluate customer's financial status.
Ø Risk management: Maintenance, development and up gradation of Credit Risk Models. Compliance with all regulatory guidelines regarding their validation for the purpose of heading towards advance approach (IRB) of BASEL II.
Ø Portfolio Management: Stipulate quantitative ceiling on specific rating categories, distribution of borrowers in various industries / business groups, rapid portfolio reviews, on-going system for identification of credit weaknesses well in advance, initiate steps to preserve the desired portfolio quality and integrate portfolio reviews with credit decision making process.
Ø Corporate Planning: Analysis of products mix of the company and provide feedback to top management on different matters like: New Business Area, Speed up of disbursement of loan, New Products offering. Job Profile includes preparation of annual target for the company as a whole and commitment schedule for different business unit of the company.
CAREER GRAPH
POWER FINANCE CORPORATION LTD Designation: Asstt. Manager (E-3)
Head Office, New Delhi From 3rd Jan, 2013 to till date
PFC is India's No. 1 NBFC in the country with assets base of around 2.64 lakhs crore. It is most preferred FIs in power sector lending (around 25% market share in power lending business). It is also nodal agency in most of the power sector reforms and development programs likes R-APDRP, UMPPs and ITPs.
Job profile:
Ø Provide feedback to top management to identified new business activity/ancillary activity related to current business portfolio.
Ø Preparation of Annual Targeted Budget
Ø Preparation of annual report on performance of State power utilities
Ø Responsible for preparation of Commitment Schedule for different units of company in accordance with the annual budget targets.
Ø Prepare policy and guidelines to speed up disbursement of loans
PUNJAB NATIONAL BANK Designation: Sr. Manager, Financial Analyst
Head Office, New Delhi (From April, 2007 to Dec, 2012)
Punjab National Bank is India second largest PSU Bank with Balance Sheet size of around Rs. 7,00,000 Cr and presence in 7 countries. It is one of the leading bank with total loan portfolio of around 3,00,000 Crore. Worked on number of profiles at Head Office level in different department like Risk Management and Credit during around 6 year of working.
Job profile
Ø Responsible for preparation of credit proposals, recommendation for sanction. Identifying, assessing, analyzing credit risk of borrowers and providing mitigates to safeguard banks’s interest.
Ø Credit Appraisal includes understanding creditworthinessof borrower and preparation of appraisal note in consonance with the Corporate Credit Policy and making suitable recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction, pricing etc. Meeting customers to understand the business model / seek clarification on business.
Ø Understanding credit risk related to the loan portfolio.
Ø Financial analysis of Balance Sheet, Income Statement, Cash flow Statement, Notes to Accounts & Evaluation of financial ratios, Market Data. Peer Analysis and Cash flow Models /Forecasts. In total understanding creditworthinessof borrowers for the same to be captured through credit risk rating models
Ø Analysis of Credit rating reports and providing specific, actionable and constructive feedback in a positive manner.
Ø Responsible for development of credit risk rating models
Ø Validation of models through parameter validation, stress testing, statistical validation of models analyzing ROC, Area under curve and other prescribed tools by Basel II.
Ø Default rate studies, comparison of the same with external rating agencies
Ø Providing training to our staff members in central staff college regarding rating mechanism and their concepts
Ø Analysis of rating grade wise yield income of the rated portfolio of the bank.
Ø Monitoring and maintenance of scoring model for retail lending borrower and SME borrowers bank wide, agriculture and small & medium enterprises are the thrust area as per RBI
VODAFONE ESSAR LTD JUNE 2006 TO MARCH 2007
Worked as an Accounts Officer in the Finance Dep’t. Of ‘ Vodafone Essar Ltd, NEW DELHI, (Under Business Associates) a leading Telecom Company in India and have been looking after the following activities:
Ø Preparation of Income Tax Submissions for Various Income Tax Scrutiny Cases Up to CIT (A) level
Ø Handling of C-Form Details and preparation of C-form Return
Ø Preparation of WCT Return
Ø To overview all matters related to Service Tax viz. calculation of service tax payable, Cenvat Credit to be taken, maintaining service tax Register.
Ø Preparation & filing of Income Tax return, Advance Tax Computation, Tax audit.
M/s N. NARSIMHAN & CO. jUNE 2005 – MARCH 2006
Chartered Accountants
AUDIT MANAGER
Ø Planning and Scheduling: Preparing Audit Program and related work schedules as per the appointment letter.
Ø Auditing: In charge of conducting Statutory, Internal and Tax Audits of Banks, Limited and Private Limited Companies, Firms, Societies etc.
Ø Audit Review and Reports: Responsible for preparation of Audit-Reports and ensuring the conduct of audits as per the Audit Program.
Ø Statutory Compliance: Ensuring statutory compliance to the related laws, regulations and statutes in all the transactions entered into by the client organizations.
Ø Taxation: Handling issues pertaining to Income Tax, TDS, Central Excise and Sales Tax (including VAT) viz. - maintenance of statutory records, filing of returns, assessment
ACADEMIA
CA Nov, 2006
ICWA (Inter) Dec, 2010
CS (Inter) May, 2008
B.Com. July,1998
CAIIB (Part I II) Nov, 2011
Address : H No A-9, Sector- 47, Noida, Gautambudhanagar (U.P)
Father Name : Sh. Ram Shanker Singh
Notice Period : 90 days (buyable)
Current CTC : INR 15.50 lacs
Shailendra Singh