WORK EXPERIENCE

April 23 - Present Credit Manager at Bank Of Baroda

Divya Carrying out Due Diligence In the Credit Proposals.

Kumawat
Coordinating with other departments : Credit, Legal and Disbursement.
Monitoring loan utilization, repayment capacity, adherence to policy/guidelines.
Credit Analysis, Processing and Recommendation of Proposals.
Chartered Accountant
Attending to the Audit and Inspection Observations i.e. Statutory Audit, Credit Audit, Internal
audit etc
Monitoring & Ensuring compliances of Corporate Accounts.
Supporting Relationship Managers for maintaining relationship with Corporate Borrowers.

CONTACT ME Dec 2017 – June 2020 Article Assistant at M S Rathi and Associates
Taxation
Phone Prepared Tax Audit Report of 50+ clients consisting of individual, ompanies in Form 3CB-3CD &

+91 8435335235 Form 3CA-3CD

Single-handedly prepared and filled 150+ Income Tax Returns for a diverse client base
Mail Drafted Replies to various Assessment cases related to income tax

cadivyakumawat@gmail.com Experience in filling of TDS return for TDS on salary deduction,TDS on non–salary deduction .
GST Registration and filing of return

Linkedin
Audit & Assurance
www.linkedin.com/in/divy
a-kumawat077
ADDITIONAL SKILLS
­Proficient in MS office tools:
Conducted Concurrent Audit of Bank and checked compliances of KYC norms, loan application
Assisted in Statutory Audit of Bank and verify compliance with NPA norms and RBI guidelines
GST Registration of individual and filing of return
Engaged in review of accounts of company and preparation of Independent Audit Report as per
CARO
Scrutinized various ledger and in turn, dealt with all irregularities
Analysis of Financial Statements including notes to accounts of companies and scrutinized
compliances of TDS, TCS and applicable Accounting Standard
Analyzed debtor’s and creditor’s ledger balances – Ageing , Balance Confirmation Procedure,
recovery period etc.

MS Excel
June 2017 -Dec 2017 Article Assistant at Swan and Associates
MS Word
Accounts and Finance
MS PowerPoint Preparation of Credit Monitoring Arrangement (CMA) reports required to apply finance from bank

Proficient in Finacle
Tally ERP
Smart Tax software
EDUCATION
Dec 2021 & Nov 2022 The Institute of Chartered Accountants of India
CA Final Mark : 468/800 (58.50%)
Remark : Exemption in 3 Subjects

Nov 2016 & Nov 2017 The Institute of Chartered Accountants of India
LANGUAGE CA Intermediate Mark : 378/700 (54.00%)
Remark : Exemption in 3 Subjects

Dec 2014 The Institute of Chartered Accountants of India

English Mark : 129/200 (64.50%)
CA CPT
Remark : Pass in First attempt

Hindi
2014-2017 Vikram University
B.COM. Mark : 1489/2700 (55.15%)
Remark : Pass

Mar 2014 M.P. Board

Class XII Mark : 416/500 (83.20%)
Remark : 1st Rank in District Merit List

Mar 2012 M.P. Board

Class X Mark : 525/600 (87.50%)
Remark : 100/100 in Sanskrit