CA SANJAY KUMAR BASAK

Advisory work for corporate and MSME clients on institutional fund-raising and structured credit proposals for banks, including CAM drafting, DSCR models, working capital requirement calculations, and sensitivity analyses for credit viability. Support includes techno-economic viability (TEV) reporting, working capital reviews such as debtor aging audits, inventory turnover/velocity checks, and creditor term analysis to optimize operating liquidity and reduce credit risk. End-to-end tax advisory covering GST compliance, GST filings, income tax computations for individuals and corporates, advance tax planning, and representation/handling of departmental matters. Also evaluates retail loan and portfolio underwriting considerations (home, education, and personal loans) against banking policy, regulatory norms, and collateral adequacy, including documentation and due diligence support.

Led branch banking operations with direct accountability for P&L, underwriting, and credit risk governance across MSME, mid-corporate, and retail segments. Sanctioned high-value facilities while ensuring adherence to loan covenants, risk appetite frameworks, and documentation standards. Prepared and reviewed detailed CAMs, validating audited balance sheet integrity and calculating operating cycles, drawing power against book debts and stocks, and key credit ratios such as DSCR/coverage where applicable. Managed asset quality through internal inspections, concurrent audits, and stock-and-debtor verification audits to prevent NPA slippages. Oversaw disbursement processes, end-use verification of funds, consortium loan documentation, and restructuring protocols when needed.

Handled statutory, internal, and tax audit assignments for trading firms, manufacturing units, and financial institutions. Led audit teams and verified financial statement schedules, cash flow statements (direct and indirect formats), depreciation schedules, and statutory disclosures. Ensured compliance with Indian GAAP and audit documentation requirements, supporting reliable financial reporting and readiness for statutory scrutiny.