Open to opportunities

Padmavati Mule

@padmavatimule

Message

CA Inter qualified accounting professional with 6.5+ years of experience.

India

Message

What I'm looking for

I am looking for a challenging role in a dynamic organization that values strategic financing and offers opportunities for professional growth.

I am a CA Inter qualified accounting professional with over 6.5 years of experience in accounting, taxation, and credit appraisal. My career has been marked by a commitment to excellence, as evidenced by my role as a Credit Manager at ICICI Bank, where I managed end-to-end credit underwriting for business loans. I excelled in conducting financial analyses and preparing Credit Appraisal Memos, ensuring compliance with bank policies and regulatory norms.

Prior to my tenure at ICICI Bank, I worked as an Accountant at Shree Varalaxmi Distributors, where I handled day-to-day accounting operations and supported audit processes. My journey began as an Articled Assistant at Satheesh Manmohan & Associates, where I gained hands-on experience in accounting, auditing, and taxation. I am passionate about leveraging my skills to contribute to strategic financing decision-making and growth in a dynamic organization.

Experience

Work history, roles, and key accomplishments

Credit Manager

ICICI Bank

Jan 2022 - Dec 2023 (1 year 11 months)

Managed end-to-end credit underwriting for business loans, including OD and CC facilities. Conducted thorough financial analysis, field verification, and client discussions to assess creditworthiness and loan eligibility, ensuring compliance with bank policies and regulatory norms.

Underwriting Financial Analysis Credit Appraisal Memo (CAM) Preparation CIBIL Analysis Regulatory Compliance

Accountant

Shree Varalaxmi Distributors

Jan 2020 - Dec 2022 (2 years 11 months)

Handled daily accounting operations, including ledger maintenance, bank reconciliations, and GST and TDS return filing. Assisted in monthly closing, preparation of financial statements, and finalization of accounts, ensuring timely compliance with statutory requirements and supporting audit processes.

Accounting Operations Ledger Maintenance Bank Reconciliation Financial Statement Preparation Audit

Articled Assistant

Satheesh Manmohan & Associates

Jan 2016 - Dec 2019 (3 years 11 months)

Gained hands-on experience in accounting, auditing, and taxation during a three-year articleship. Prepared and filed income tax and GST returns, assisted in statutory and tax audits, and supported the finalization of accounts for diverse clients and industries.

Accounting Auditing Tax Tax Audits Account Finalization Vouching

Education

Degrees, certifications, and relevant coursework

The Institute of Chartered Accountants of India

CA Inter, Chartered Accountancy

Grade: 51%

Completed the intermediate level of the Chartered Accountancy program, focusing on advanced accounting, auditing, taxation, and corporate law. Gained foundational knowledge essential for professional practice in finance and accounting.

Savitribai Phule Pune University

Master of Commerce, Commerce

Grade: 67%

Pursued a Master's degree in Commerce, deepening understanding of advanced accounting principles, financial management, business economics, and taxation. Developed analytical skills for financial decision-making and reporting.

Savitribai Phule Pune University

Bachelor of Commerce, Commerce

Grade: 83%

Completed a Bachelor's degree in Commerce, covering fundamental concepts in accounting, business studies, economics, and commercial law. Built a strong academic foundation for further studies and a career in finance.