Sakshi Ambuwani

Reviewed, Processed, Analysed, Sanctioned and Disbursed Mortgage Loan amounting from 30 lakhs to 5 Cr and Personal Loans ranging from 50k to 20L Analysed the process of Origination, Underwriting and disbursement Conducted Personal Discussions and Visit of Client with Turnover ranging from 50 Lakhs to 30 Crores

Branch Credit Manager - ICICI Bank - Raipur

(2025-02)

• Reviewed, Processed, Analysed, Sanctioned and Disbursed Mortgage Loan amounting from 30 lakhs to 5 Cr and Personal Loans ranging from 50k to 20L
• Analysed the process of Origination, Underwriting and disbursement
• Conducted Personal Discussions and Visit of Client with Turnover ranging from 50 Lakhs to 30 Crores
• Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite
• Completed along with Team target of Disbursing Mortgage Loan aggregating 100 Cr. in March 2025
• Successfully managed complex credit restructuring cases, working closely with borrowers and internal stakeholders to develop mutually beneficial solutions that minimized losses
• Originated, reviewed, processed, closed, and administered customer loan proposals

Chartered Accountant - Agrawal Bilthare and Associates - Raipur

(2021-09 - 2024-09)

Leading firm in Raipur with 3 Partners, 250+ Clients well known in Rice and Pulses Industry, Paper Industry providing service over more than 25 years.

• Successfully conducted Income Tax Audits for over 50 corporate and non-corporate clients across manufacturing, transport, construction, and other sectors, having turnover ranging from ₹10 crores to ₹200 crores
• Handled various income tax assignments relating to filing of returns of clients involved in different businesses, tax payments and assisted in refund-related issues, with total income ranging from 1 lakh to approx. 10 crores
• Prepared Tax Audit Reports for over 100 clients in Form 3CA-3CD and Form 3CB-3CD
• Experienced in Assembling, Analysing & Filing of TDS/TCS returns, like TDS on Salary Deduction and TDS on sale of Immovable Property
• Conducted the GST Audit of various Proprietary concerns and preparation and filing of Monthly GST Returns (GSTR 1 and GSTR 3B) and annual GST Returns (GSTR 9 and 9C)
• Responsible for adherence of advance tax liabilities - their calculations and payments

CA Final - Chartered Accountancy - ICAI (2024-11)

CA Intermediate - Chartered Accountancy - ICAI (2020-11 - 2021-12)

CA Foundation - Chartered Accountancy - ICAI (2019-11)

B.COM. - Commerce - Atal Bihari Vajpayee Vishwavidyalaya, Bilaspur (2019 - 2022)

Class XII - General Studies - Kendriya Vidyalaya, Raigarh (2019-03)

Class X - General Studies - Carmel School, Raigarh (2017-03)