• ARTI AGARWAL
    CA, M Com                                                                                         
    Career Summary

    Ø  A Qualified Chartered Accountant with good academics record and experience of handling clients from diversified sectors.
    Ø  A Keen analyst with good Interpersonal skills, strong relationship management, team building, problem solving and organizational abilities.

    Total Work Expérience

    Period:              4 Years 11 months.

    Work Expérience

    Period:              Presently 5 months from 28th Aug’17 – Present

    Designation:      Chartered Accountant (Proprietor)

    Company:         Arti Agarwal & Co.

    Roles and Responsibilities:

    • GST registration and compliances.
    • Preparation of project report and CMA data of various manufacturing Units for financing requirements.
    • CIBIL management of clients including grievance resolution & Score management of CIBIL.
    • Running NBFCs including its incorporation, RBI compliances, policy management, taxation, Accounts management, portfolio management audit, and compliance management. 
    • Preparation of  15CA / 15CB for some export oriented units
    • Internal Audit of various manufacturing and trading units.
    • Handling GST work of various units.
    • Independent Statutory auditor of various nationalised bank and RRB’s.
    • Handling appeals against banks, NBFC in NHB , MOF, RBI.
    • Finalisation of accounts of corporate and non corporate.
    • Tax planning of Corporate & Non Corporate.
    • Internal Audit of various firms & Companies.
    • ROC work of companies i.e. incorporation & annual filing
    • Compliance under the Income Tax Act with regard to TDS, Advance Tax etc.
    • Preparation of Income Tax Return of Various clients (Including Individual, Firms, Companies)
    • Assisting clients in the compliance requirements of direct taxation laws.
    • Managing financing requirements of clients i.e. Working Capital, TL, OD etc. 



    Work Expérience

    Period:              3 years from Aug’14 – 01th Aug’17

    Designation:      Chartered Accountant (Partner)

    Company:         SKM & Co., Agra (Leading CA firm of Agra)

    Roles and Responsibilities:

    • Managing financing requirements of clients i.e. Working Capital, TL, OD etc. 
    • GST registration and compliances of various manufacturing Units for financing requirements.
    • Internal Audit of various manufacturing and trading units.
    • Independent Statutory auditor of various nationalised bank and RRB’s.
    • Preparation of project report and CMA data.
    • CIBIL management of clients including grievance resolution & Score management of CIBIL.
    • Running NBFCs including its incorporation, RBI compliances, policy management, taxation, Accounts management, portfolio management audit, and compliance management.  
    • Handling appeals against banks, NBFC in NHB , MOF, RBI.
    • Finalisation of accounts of corporate and non corporate.
    • Tax planning of Corporate & Non Corporate.
    • Internal Audit of various firms & Companies.
    • ROC work of companies i.e. incorporation & annual filing
    • Handling all indirect taxes i.e. VAT, Service tax, excise, custom
    • Bank Audits
    • Compliance under the Income Tax Act with regard to TDS, Advance Tax etc.
    • Preparation of Income Tax Return of Various clients (Including Individual, Firms, Companies)
    • Assisting clients in the compliance requirements of direct taxation laws.






    I
    Work Expérience

    Period:              15 months From April-2013 – Aug-2014

    Designation:      Branch Credit Manager (Mortgages)

    Company:         India bulls Housing Finance Ltd., Agra (U.P.)

    Roles and Responsibilities:

    ·         Role is of Credit appraiser for retail lending, operations in mortgages(HL and LAP)
    ·         Analyze financial information including operating statement and net worth statement to determine appropriate loan size , terms & pricing.
    ·         Evaluation of loan mortgage loan request in order to approve or deny application.
    ·         Credit appraisal of customers having various Business Models (Manufacturing, Trading, and Services etc.)
    ·         Evaluation of financial statement in terms of various laws for confirming the authenticity of the same.
    ·         Understand and interpret financial statements
    ·         Visit borrower properties & homes for verification & evaluation.
    ·         Scrutiny of all loan  documents and  bank documents provided by the client.
    ·         Recommending case after going through all eligibility parameters and then pursue it  to the senior level.  
    ·         Application of commonly used concepts, practices and procedures in mortgages industry.
    ·         Ensuring compliance with organizations credit policies and amendment by Risk and Compliance team
    ·         Telephonic discussion with customers & conduct Business discussion at the Branch
    ·         Co-ordinate with Operations, Audit and Compliance Dept. to resolve the Pre/Post disbursement queries
    ·         Submit regular credit & loan consumption reports to management.


     I
    INTERNSHIP

    • Worked as Article Clerk under Prakash & Santosh, Mansarovar, Moradabad March 2010 – March 2013 .

    Internal Audit

    ·         Royal Beverages Private Limited, Jhansi            Trading
    ·         Sigma Agri  Products                                       Trading                                                   
    ·         Lohia Brass Private Limited, Moradabad            Brass Manufacturing                                             
    Statutory Audits

    ·         Northern Coal Field Limited                               Coal Production                                             Signorelli, M.P.

    Tax Audits and Assessments Procedures   

    ·         Quadri Automobile, Moradabad                         Trading                                             
    ·         Shilpa Shree Handicraft, Moradabad                Manufacturer                                                   
    ·         Hari Kripa Gas Agency, Moradabad                  Trading
    ·         Gyan Jyoti, Moradabad                                   Trust                               

                Nature of Work Performed at Article ship Level as a team player and team leader with respect to:
              
    ·         Conducting Tax Audits, Internal Audits of various Entities
    ·         Preparation of Income Tax, Sales Tax, Service Tax and TDS Returns
    ·         Exposure to Sales tax and Income Tax Assessment
    ·         Preparation of Projected Balance Sheet
    ·         Accounting, Bank Reconciliation Statement.
    ·         Exposure to filling and registration of Excise Dealers for second stage
    ·         Conducted detailed Inventory Testing of various clients as per AS 2 as a team member




    Scholastics

    ·         Masters of Commerce (M COM) from MJP Rohailkhand University with 1st Div. marks.
    ·         Bachelor of Commerce (B COM) from MJP Rohailkhand University with 1st Div. marks.
    ·         12th with 1st Div. marks.
    ·         10th with 2nd Div. marks.                        

    Professional Qualifications

    Degree /

    Examination

    Year of Passing                     
    Marks
    (%)
                 CA- CPT
    Nov, 2008
    80%
                 CA- I PCC l
    Nov, 2009
    54%
                 CA- I PCC ll
    May, 2010
    62%
                 CA- Final
    Nov, 2012
    50%

    Computer Literacy
    ·         ‘A’ Level from DOEACC Society, Delhi.
    ·         Certified Professional Accountant Course from NIFA.
    Computer Literacy
    ·         Well versed with Tally ERP, and Compu Tax.
    ·         Advanced Working Knowledge of MS Office.
    Personal Snippets

    Gender                            :           Female
    Nationality                       :           Indian
    Father’s Name                 :           Shri Sarvesh Kumar Agarwal
                                                           Government Contractor (P.W.D.)
    Status                             :           Married
    Communication Skills     :           Can read, write and speak – English and Hindi.
    Interest and Hobbies       :           Reading books & articles, Travelling, Listening Music.
            
    Officers Like Qualities

    ·         Man Power Handling, feeling of Integration, co-operation, feeling of Team Sprit, co-ordination, motivation, social sense, hardworking, ability to accept challenge.

    Strengths & Skills

    ·         Goal oriented with an ability to manage change with ease
    ·         Strong communication, interpersonal, learning and organizing skills
    ·         Willingness to take initiatives, responsibilities and accomplish the task.


    Place: Agra                                                                                                             (Arti Agarwal)**********************________________________________________________________ Interview Venue : M/s Jyotsna HR Management Pvt Ltd Plot No. 4 Ruchi Complex Gailana Road Near Asopa Hospital Sikandra Agra Call 7078101101-7078102102 Send Updated Cv at hrmagra@gmail.com W : www.jobinagra.com
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