This document contains the resume of Ankit B Rupareliya, who is currently working as a Credit Analyst at RAK Bank in Dubai. He has over 4 years of work experience in fields like financial statement analysis, risk management, and credit monitoring. He has a B.Com degree from the University of Mumbai and is a qualified Chartered Accountant. His previous work experience includes positions at chartered accountancy firms in Surat and Mumbai, where he conducted audits and assisted in account finalization and analysis.

1. ANKIT B RUPARELIYA
ACA, B.Com
Mobile: UAE +971 502855733
E-Mail: caankitrupareliya@gmail.com
CAREER OBJECTIVE
To find an exciting and challenging career opportunity with an organization of repute where I can create value
addition through my experience, knowledge and take the organization to the next level.
SYNOPSIS
 A self-motivated Chartered Accountant currently working with RAK bank as Credit Analyst and with over 4
years of work experience at various levels.
 Widely experienced in financial statement analysis, Risk management, Credit proposal Write up, Credit
monitoring, Data management, Internal and external customer service with the best of skills in developing
and executing business communication.
 Special skills lie in ability for Ratio analysis, Fund flow & Cash flow analysis.
 Capable of managing accounting activities including preparation of Accounts, Balance Sheet, Income
statement and Reconciliation statements leading to finalization of accounts.
CORE COMPETENCIES
  Risk Management   Management reporting (MIS)
  Trade Finance   Accounts Finalization
  Statutory and Internal Audits   Budgeting and Forecasting
  Handling Audit Team   Analytical and Interpersonal Skills
ACADEMIA
2014 Chartered Accountancy from Institute of Chartered Accountants of India with 51.88% marks.
2013 B.Com from University of Mumbai with 77% marks.
2010 XII from Gujarat Board with 82.86% marks.
2008 X from Gujarat Board with 79.69% marks.
Accolades:
 Awarded certificate of excellence for best performer of the team from RAK Bank.
 Awarded Silver medal for being subject topper in School.
 Awarded first prize in school elocution competition.
 Awarded first prize in hostel table tennis tournament.

2. WORK EXPERIENCE
Company : RAK Bank (Dubai – UAE)
Period : May 2015 till present
Designation : Credit Analyst, SME
 Preparation of the credit proposals of the companies for trade and working capital facility by
analyzing the company’s requirement, financial statements, repayment capability and account conduct
with existing banks.
 Ensure that the credit facilities have been properly structured as per the business requirement of the
customer & ensuring that the price and collateral are adequate to cover the risk involved.
 Preparing credit-lending proposals for both fresh & renewal cases and highlighting the strengths and
weaknesses of the case.
 Ensure credit applications are in compliance with the credit policy, regulatory requirements & procedures of
the bank and in adherence with central bank guidelines.
 Conducting customer visits in coordination with Relationship Managers to have better understanding of the
business model & client requirement.
 Acting as a back-up of Senior Relationship Manager for all customer interactions including trade related
transactions and also to liaise with internal departments for processing the case post approval.
Company : B J VITHLANI & COMPANY (Chartered Accountants-Surat)
Period : September 2013 to September 2014
Designation : Senior Article Assistant
 Conducted various Statutory Audits, Internal Audits, Concurrent Audits, Tax Audits, and Reconciliation of
Financial Statements and Preparation of Audit Report with taking into consideration Legal Provisions,
Accounting and Auditing Standards, Guidance Notes etc.
 Analysis of utilization and capacity against performance goals.
 Identification of operational processes inefficiencies and recommendation of necessary improvements.
 Preparation of project reports to secure loans for clients.
Company : V PAREKH & ASSOCIATES (Chartered Accountants-Mumbai)
Period : August 2011 to August 2013
Designation : Article Assistant
 Consolidation and preparation of Accounts, Balance Sheet, Income Statement and Reconciliation Statements
leading to finalization of accounts.
 Preparation and review of various reconciliation statements e.g. Bank, Cash & Stock.
 Preparation of LFAR (Long Form Audit Report).
 Verified internal controls & carried out internal audit, providing suggestions for upgrading the internal ERP
systems and software which can generate different types of reports for management review.
 Review of business contracts with profitability and financial success in mind.
 Assignments covering areas such as Purchases, Stores, Procurement, Production, Sales & Marketing, Time
Office, Safety and Transport.
 Analysis of Debtors & Creditors: - Ageing, Recovery Period, Balance Confirmation Procedures and legal cases.

3. Assisted in the Statutory/Tax/Internal Audits of listed and private limited companies, banks as
following:
1. Cement Industry:
 Maihar Cements – Internal Audit
2. Infrastructure and Service Sector:
 Hyatt Regency PUNE – Internal Audit
 Ajmera Realty & Infra India Limited – Ajmera Group - Statutory & Tax Audit
 Sai Service Spares & Accessories Ltd. - Statutory Audit
3. Textile Industries:
 Birla Century - Internal Audit
 Century Yarn and Denim – Internal Audit
4. Banking Sector:
 State Bank of India - Branch Statutory Audit
IT FORTE
 Banking software like Finacle and RAK net.
 Worked in ERP Accounting Packages like SAP (basic knowledge), Recon, Citrix and Tally ERP.
 Proficient in MS-Office (Word, Excel & Power point).
 Completed training on Information Technology with Institute of Chartered Accountants of India.
PERSONAL DOSSIER
Date of Birth : 12th October 1992
Languages Known : English, Hindi and Gujarati
Marital Status : Single
Present Address : 319, Grand Midwest hotel apartments, behind Raviz hotel, Bur Dubai, UAE
Passport Number : J8270370
UAE Driving License : Yes (License No – 3622545)
Nationality : Indian
Hobbies : Table Tennis, Exploring New Places.