CA Saloni Vyas
Malaga
Summary
Experienced finance professional with 4+ years of experience with a strong background in credit risk, accounting, and auditing. Proven ability to assess and mitigate credit risks, ensuring sound financial decision-making. Extensive knowledge of accounting principles, financial analysis, and internal control procedures, contributing to accurate financial reporting. Adept at conducting thorough audits, identifying areas for improvement, and implementing effective solutions. Having in depth knowledge in internal and statutory audits. Eager to apply my skills and contribute to team success through hard work, dedication, attention to detail and time management skills. I currently hold residence permit and work permit which allows me to work in Spain.
Overview
9
9
years of professional experience
Work History
Financial Accountant
Immcura Med SL,
06.2023 - Current
- Preparing financial statements, including balance sheets, income statements and cash flow statements.
- Applied proper codes to invoices, files, and receipts to keep records organized and easily searchable.
- Input financial data and produced reports using Oddo.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Used double-entry accounting methods and check backs to manage daily entries to general ledgers.
- Applied mathematical abilities to calculate and check figures in accounting systems.
- Contacted customers to immediately find resolutions for escalated issues.
Credit Risk Analyst
ICICI BANK LTD.
04.2021 - 05.2022
- Assessed credit risk, analyzed financial statements and credit history to better understand how much risk could be involved in extending credit to customers.
- Credit appraisal, risk analysis of priority sector loan applications, which includes ensuring that proposal is complying with all policies and norms stipulated by bank.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Performed credit reviews on corporations to assess financial conditions.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Preparation of various MIS, which includes monitoring of timely creation of security, business pipeline MIS, sanctioned MIS etc.
Consultant
Ajmera& Ajmera co.
06.2019 - 03.2021
- Engaged in statutory audits of private companies, concurrent audits of banks and GST audits of proprietors and private companies.
- Authored detailed work plans to meet business priorities and deadlines.
- Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
Articleship Trainee
MGB & Co.
09.2015 - 09.2017
- Internal audits of schools, colleges, hospitals and private companies. Major areas covered were- procurement of inventory management, sales, human resource, preparation of RCM and internal audit reports etc.
- Sorted and organized files, spreadsheets and reports.
- Due diligence audits- Major areas covered- Understand brief history of organization, capital structure, P&L revenue, Inventory age analysis, cash flow analysis, borrowing structure of company, control system and processes maintained and working capital etc.
Articleship Trainee
B Maheshwari & Co.
09.2014 - 06.2015
- Concurrent and statutory audits of banks- Check on KYC compliance, cash verification, keep eye on loans and advances offered by bank are in line with bank policies, identification of NPA accounts and correct classification of NPA accounts, revenue leakage if any and other irregularities.
- Stock audits- Majorly covered gathering of brief history about organization, risk assessment, assessment of working capital, credit history, position of accounts hold in banks, financial statements analysis, ratio analysis etc.
Education
Chartered Accountant - Accounts, Audit, Taxation, Law,Costing
Institute Of Chartered Accountant Of India
India11.2020
Master of Commerce - Accounts And Business Statistics
Maharishi Dayanand Saraswati University
Ajmer, Rajasthan, India06.2017
Bachelor of Commerce - Commerce
Maharishi Dayanand Saraswati University
Ajmer, Rajasthan, India06.2014
Senior Secondary Examination(CBSE) - Commerce
Central Academy Senior Secondary School
Bhilwara, Rajasthan, India03.2011
Secondary Examination -
Central Academy Senior Secondary School
Bhilwara, Rajasthan, India03.2009
Skills
- Knowledge of ERP, Tally, MS office, Oddo (Accounting Tool)
- Worked with credit analytical tools in ICICI Bank
- Communications Strategies
- Motivational Techniques
- Financial Statements Expertise
- Banking Regulations
- Oral and Written Communications
- Appraisal Verification
- Data Integrity
- Payroll Processing
- Auditing
- Financial Verification
- Problem Solving
- Active listener
- Quick Learner
- Underwriting
Accomplishments
- Won Gold medal in athletics at district level.
- Secured first position in inter school debate competition.
- Held Training sessions on policies and procedures in ICICI bank.
- Supervised team of 5 staff members.
Languages
Hindi
Bilingual or Proficient (C2)
English
Advanced (C1)
Spanish
Beginner (A1)
Timeline
Financial Accountant
Immcura Med SL,
06.2023 - Current
Credit Risk Analyst
ICICI BANK LTD.
04.2021 - 05.2022
Consultant
Ajmera& Ajmera co.
06.2019 - 03.2021
Articleship Trainee
MGB & Co.
09.2015 - 09.2017
Articleship Trainee
B Maheshwari & Co.
09.2014 - 06.2015
Chartered Accountant - Accounts, Audit, Taxation, Law,Costing
Institute Of Chartered Accountant Of India
Master of Commerce - Accounts And Business Statistics
Maharishi Dayanand Saraswati University
Bachelor of Commerce - Commerce
Maharishi Dayanand Saraswati University
Senior Secondary Examination(CBSE) - Commerce
Central Academy Senior Secondary School
Secondary Examination -
Central Academy Senior Secondary School
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