LEKSHMI PRIYA S D
Ernakulam
Summary
Dedicated and detail-oriented Chartered Accountant with comprehensive experience in credit analysis, auditing, taxation, and financial reporting. Seeking a challenging finance or accounting position in the UAE to contribute technical expertise and analytical skills while supporting organizational growth.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Credit Analyst
Federal Bank Ltd
11.2024 - Current
- Assessed creditworthiness of individuals and entities based on FOIR, LTV norms, and financial statements.
- Processed over 500 loan files (housing, property, education) with exposure to financial documentation up to multi-million levels.
- Prepared detailed reports outlining credit analysis findings for management review.
- Analyzed credit data to assess risk and determine applicant eligibility for loans.
- Advised branch teams on credit eligibility, deviations, and decision-making on loan proposals.
Article Assistant – Audit & Taxation
Kumar and Biju Associates LLP, Chartered Accountants
02.2021 - 07.2024
- Audit & Accounting:
- Conducted statutory audits for clients in broadcasting, FMCG, healthcare, retail, and construction sectors.
- Prepared and analyzed financial statements for SMEs for funding and internal control.
- Managed bookkeeping, reconciliations, and cost evaluations.
- Performed internal audits to assess controls in procurement, billing, and inventory.
- Taxation:
- Led income tax computation and return filing for individuals and corporate.
- Coordinated client communications, ensuring timely responses and maintaining strong professional relationships.
- Filed TDS returns and managed tax assessments and appeals.
- Conducted tax audits including for high-profile clients.
- Other Tasks:
- Filed ROC returns and statutory forms.
- Handled Indian VAT returns for clients with turnovers exceeding ₹350 Million.
- Ensured compliance with Schedule III reporting for corporate financial statements.
Education
Chartered Accountant - Auditing, Accounting & Finance
Institute of Chartered Accountant of India
India11-2024
Junior Associate of Indian Institute of Bankers - Banking And Finance
Indian Institute of Bankers
India05-2024
Bachelor of Commerce - Finance And Accounting
Indhira Gandhi National Open University
India01.2023
Class XII - Commerce
Assisi Vidyaniketan Public School
India01.2019
Skills
- Tally Prime & Computerized Accounting
- MS Office Suite (Excel, Word, PowerPoint)
- Financial Analysis & Forecasting
- Internal Control Evaluation
- Credit analysis
- Accounting and bookkeeping
- Statutory & Internal Audits
- Financial Reporting
- Compliance & Risk Management
- Team Leadership & Collaboration
Certification
JAIIB – Junior Associate of Indian Institute of Bankers (IIBF)
Languages
English – Fluent
Malayalam – Native
Hindi – Proficient
Timeline
Credit Analyst
Federal Bank Ltd
11.2024 - Current
Article Assistant – Audit & Taxation
Kumar and Biju Associates LLP, Chartered Accountants
02.2021 - 07.2024
Chartered Accountant - Auditing, Accounting & Finance
Institute of Chartered Accountant of India
Junior Associate of Indian Institute of Bankers - Banking And Finance
Indian Institute of Bankers
Bachelor of Commerce - Finance And Accounting
Indhira Gandhi National Open University
Class XII - Commerce
Assisi Vidyaniketan Public School
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