CA_Divya Agrawal Resume
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Divya Agrawal is seeking a career opportunity where she can contribute to an organization's growth using her skills. She has over 3 years of experience in credit appraisal and management with HDFC Bank, where she assessed loan proposals up to Rs. 3 crore and sanctioned loans up to Rs. 50 lakh. She has a Chartered Accountancy degree and interned for 3 years at a consultancy firm, where she assisted with corporate finance, auditing, compliance, and corporate law assignments. She is proficient in MS Office, Tally, and has cleared several professional exams with good marks.
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CA_Divya Agrawal Resume
- 1. CA. Divya Agrawal 91, Old Agrawal Nagar, Indore, 23, Female, Indian M.P.,India Cell+91 8109059030 /+91 9977725759 Mail-divya.agrawal2892@gmail.com CAREER OBJECTIVE To pursue career in a professional work environment and to contribute to organisation’s growth and work with full dedication using all my skills, build mutually beneficial long term relationship. EXPERIENCE AND KEY RESPOSIBILITY ASSIGNMENTS HDFC Bank: Date of Joining: From 25th Aug 2015 to till date Grade: Management Trainee Designation: Credit Manager Department and location: LAP Credit, Indore Responsibility: Credit appraisal, assessment of Proposals with exposures up to Rs. 3.00 Cr. and sanctioning upto Rs. 50 Lacs including Term Loan assessment and Dropline O/D as per Retail Credit Policy and other circulars issued by Bank. Knowledge and Special work: § Credit Appraisal of LAP Proposals. § Making suitable recommendation in terms of amount to be sanction, pricing and other conditions. § Business visits at customer place and PDs with client. § Analysing Property Papers, Title Search Reports And Valuation Reports. § Negotiating and educating borrowers on assessment, limits, pricing and other parameters. ACADEMICS Examination Institute Year Marks Chartered Accountancy · Final ICAI May, 2015 58.12% · IPCC ICAI May, 2011 54.00% · CPT ICAI June, 2010 84.50% Graduation – B.COM. DAVV, Indore June, 2013 67.37% Higher Secondary ILVA Hr. Secondary School, Indore (CBSE) 2010 78.40% Senior Secondary 2008 76.40% INTERNSHIP (3yrs:- August 2011-August 2014) Article Assistant at MAHESH C. SOLANKI & CO. INDORE- “MCS” is one of top most Consultancy and Auditing firm in Indore and is amongst fastest growing firm’s in India. Key Area of Work during Internship- 1. CORPORATE FINANCE AND ADVISORY SERVICES- · Handled various proposals of debt syndication viz. sanction of term loan, working capital loan, bank guarantee, letter of credit proposals of companies belonging to sectors like- ü Coal company ü Iron and Steel ü Infrastructure and real estate developers ü Pharmaceutical ü Engineering goods company · Preparation of information memorandum and CMA. · Preparation and execution of requisite legal documents for debt syndication.
- 2. · Assistance to dairy company in due diligence conducted by KPMG. · Co-ordination and Liasioning with banker for enhancement of working capital facility under consortium. · Attended Board Meeting of various companies along with Consortium Bankers. · Co-ordination with lawyers, chartered engineers and approved valuer. · Successfully completed toll securitisation project for an infrastructure and toll plaza company. 2. AUDITING AND REVIEW SERVICES- a) Statutory Audit and Income Tax- · K8Has carried out statutory audit of companies required under companies act in different sectors. ü Pharmaceutical ü Infrastructure and real estate developers ü Engineering goods company ü FMCG · Preparation and filing of following for corporate and non-corporate assesses under IT Act: ü IT returns ü TDS returns ü Service Tax returns · Preparation of submissions for scrutiny assessments and departmental notices issued by department under IT Act and Service tax laws of various assesses. · Compliances for Service Tax registration. · Tally Accounting b) Internal and Assets management Audit- · Conducted Internal and Assets management audit of various companies belonging to- ü Software developer ,Primary scope of such assets management audit was to- · Observe verification process. · Verification of movable assets viz. cell phones and notebook(laptop) · Mapping of Fixed assets register. · Inter facility Assets transfer and reconciliation thereof. ü Education Institute, Primary scope of such audit was to – · Compliance with organisational SOP. · Validation of MIS sent to HO. · Students’ feedback. 3. CORPORATE LAW – · Handled assignments of company incorporation. · Assist in preparation of Board Resolution and Minutes. · Filing of Forms for charge creation. SOFTWARE SKILLS · Operating system: Windows. · Office tool: MS office (Excel, Word and Power Point). · Accounting package: Tally. ACHIEVEMENTS IN EXAMS – · 71 marks in Advanced Management Accounting. (Cost & QT.) · 72 marks in Financial Reporting. (Accountancy) · 60 marks in Strategic Financial Management. · 62 marks in Indirect Tax Laws. (Excise, Customs, Service Tax.)
- 3. · Cleared IPCC both groups in first attempt. EXTRA-CURRICULAR ACTIVITIES – · State Gold-Medallist and National Player in Wushu and Choi Kong Do(Martial Arts). · Won many State level tournaments in Taekwondo and Badminton. · Won Interschool Table Tennis and Chess Championships. · Has successfully completed Chanderkhani Pass Himalayan Trekking Expedition 2015 organised by YHAI. · Member and Volunteer of Outdoor Adventure Club Indore. · Enthusiastic to work for providing educational opportunities to poor children. PERSONAL INFORMATION- Date of Birth 28/08/1992 Father's Name Late Mr. Rajesh Agrawal Mother's Name Mrs. Sheela Agrawal (Business) Languages Known English, Hindi Note: Holding valid and authenticate passport.