ASHOK KUMAR
Newcastle,NSW
Summary
- Skilled Tax Accountant with strong work ethic and sense of ownership needed to excel in government-regulated environment. Successful at managing multiple projects and consistently meeting deadlines under pressure. Extensive knowledge of accounting software and processes. Well-versed in supplying quick responses to financial inquiries from internal management and potential clients. Effectively manages strict deadlines, schedules and repetitive tasks. Equipped with broad knowledge of concepts and strategies to yield best possible financial outcomes. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
17
17
years of professional experience
Work History
Consultant - Accounting and Tax
Target Accountants
Seven Hills
05.2024 - Current
- Reviewed and analyzed financial records for accuracy and compliance with applicable laws and regulations.
- Advised clients on the best methods of structuring their businesses to minimize taxes.
- Prepared, reviewed, and filed individual income tax returns as well as corporate, partnership, trust, estate, and non-profit tax returns.
- Prepared quarterly estimated tax payments based upon projected earnings estimates.
- Compiled data from multiple sources into meaningful reports that can be used for decision making purposes.
- Analyzed balance sheets for mistakes and inaccuracies.
Credit Analyst
Kotak Mahindra Bank Limited
Chandigarh, Chandigarh
05.2007 - 04.2024
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Analyzed customer payment histories to assess credit risk profiles.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Developed strategies to manage delinquent accounts and reduce overall portfolio risks.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Identified areas where additional information was needed to complete a thorough analysis.
- Communicated regularly with borrowers throughout the application process.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
- Adhered to applicable laws, regulations and policies governing consumer lending practices.
- Provided training sessions for new staff members on credit analysis techniques.
- Researched current industry trends related to consumer lending products and services.
- Consulted with senior management regarding proposed changes in underwriting standards or procedures.
- Participated in regular meetings with internal stakeholders to discuss best practices for managing the organization's loan portfolio.
- Presented key information to upper management and executive team for loan recommendations.
Education
Chartered Accountancy - Accounting And Audit
Institute of Chartered Accountants of India
New Delhi11-2006
Skills
- Tax planning
- Accounting Software
- Cash Flow analysis
- Auditing assistance
- Financial analysis proficiency
- Tax Return Preparation
- Risk Management
- Bank Reconciliation
References
References available upon request.
Timeline
Consultant - Accounting and Tax
Target Accountants
05.2024 - Current
Credit Analyst
Kotak Mahindra Bank Limited
05.2007 - 04.2024
Chartered Accountancy - Accounting And Audit
Institute of Chartered Accountants of India
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