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PERSONAL INFORMATION
Name : Raja Gonugunta
Address : Flat no.G-10, First floor, Manasa Apartments, Shyamlal Buildings, Begumpet,
Hyderabad-16.
Date of Birth : 18/04/1986
Marital Status : Married
Email Id : rajag.ca@gmail.com , rajag.ca@sbi.co.in
Contact : +91 9100949930
Language Known : English and Telugu
SUMMARY
I’m banking professional with 5+ years of experience as Credit Analyst in State Bank of India, Mid Corporate
Group.
Currently, I am working as Vice President (Credit Analyst) in State Bank of India. In this role I was focused on
Ensuring quick and timely appraisal of credit, Ensuring timely review/renewal of credit limits., timely
completion of Credit Risk Assessment (CRA) exercise, Support to Asset Management Team (AMT) in post
sanction process, Interacting with key officials/ auditors of the borrowing units for understanding the activity,
for obtaining data, statements and Tracking and monitoring important developments in the
industries/activities in which borrowers operate.
I have completed my Chartered Accountant (CA) from Institute of Chartered Accountants of India (ICAI)and
Cost Accountant (CWA) from Institute of Cost and Works Accountants of India (ICWAI)
I’m accomplished in analysis, problem solving and coordination which make me so successful and dedicated. I
have been awarded many accolades for my result oriented hard work. I started my career as Chartered
Accountant, promoted to Assistant Vice President and then President in reputed organization.
Armed with multitude of competencies and work experiences, I am confident to carry forward any
organization’s vision & objectives with sufficient ease and dedication towards my job responsibility.
PROFESSIONAL HISTORY
Organization Designation Duration From Duration To
State Bank of India Chartered Accountant Jun’ 10 Jun’11
State Bank of India Assistant Vice President
(AVP)
Jun’ 11 Jun’15

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State Bank of India Vice President (VP) June’ 15 Till date
KEY RESPONSIBILTY AREA:
 Processing of high value proposals of Corporate.
 Appraisal of financials of borrower by undertaking analysis of Balance sheet and Interpretation of
financial statements by utilising the tools of Ratio Analysis, Funds flow statement, Cash flow
statements & Cash Budgets etc.,
 Appraisal of fund based working capital requirements like Cash Credit limits, Export Packing Credit
(EPC) / Packing Credit in Foreign Currency (PCFC) limits, Bill discounting facilities etc., and non-fund
based working capital requirements like Letter of Credit (LC) limits, Bank Guarantee (BG) limits &
Forward Contract limits etc., by applying various methods of working capital assessment.
 Undertaking project appraisals by understanding the production factors, technical, economical and
financial feasibility of the project.
 Preparing Credit Risk Assessment (CRA) notes through the analysis of Financial Risks, Business and
Industry Risks, Management Risks of the company.
 Preparing appraisal notes and recommending credit facilities to sanctioning authorities.
 Presentation of the proposals to the various credit committees and providing support to Relationship
Manager (RM) for making presentation of credit proposal to higher committees.
 Ensuring quick and timely appraisal of credit.
 Ensuring timely review/renewal of credit limits.
 Ensuring timely completion of CRA exercise.
 Support to Asset Management Team (AMT) in post sanction process.
 Interacting with key officials/ auditors of the borrowing units for understanding the activity, for
obtaining data, statements etc.
 Tracking and monitoring important developments in the industries/activities in which borrowers
operate.
ARTICLESHIP
Dhasharad Associates., Chartered Accountants, Hyderabad Apr’07 to Apr’10
Undergone Articleship training as required under the norms of the Chartered Accountancy Course. In this
process, I have acquired working knowledge in the following areas:
 Statutory Audit, Internal Audit and Concurrent audit of Public/Private Limited Companies and
Partnership firms.
 Preparation & Review of Tax Audit Report including preparation of Form 3CD and filing of IT returns
for Corporate & Non Corporate in accordance with provisions of Income Tax Act.
 Ensuring Compliance of Applicable Accounting standards and Applicable laws in Preparation of
Financial statements.
 Vouching and verification of books of accounts, Verification of Internal Controls and reporting there on.
ACHIEVEMENTS & AWARDS
• Appointed as Chartered Accountant in June 2010. Promoted as Assistant Vice President (AVP) during
June 2011. Promoted to Vice President (VP) in June2015.
• Out of total 11 performance appraisals during the last 5 1/2 years, I have obtained 100% marks in 10
appraisals.
• I have completed 10 new connections with zero rejection rate during the last 4 years of my service.
Majority of the proposals prepared by me were appreciated by the Sanctioning authority / my
superiors in the bank.
• During the second and third year of my service, I have successfully handled the portofolio of total 30
accounts as against the average portfolio of 15 accounts per AMT. During my first year of assignment, I
have completed appraisal of total 21 business proposals and 22 CRA validation exercises with in a

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period of 7 months as against the average of 15 business and CRA proposals per annum by other credit
analyst.
• Secured All India 20th Rank in ICWA Final and 6th Rank in ICWA Inter.
• Cleared all the stages in CA & ICWA in first attempt.
• Obtained Certificate of merits in both ICWA Final and Inter.
EDUCATION
• June 2009: Chartered Accountant (CA), Institute of Chartered Accountants of India (ICAI)
• Dec 2008: Cost Accountant (CWA), Institute of Cost and Works Accountants of India (ICWAI)
• March 2006:Graduation (B.Com), Acharya Nagarjuna University, Andhra Pradesh
• March 2003: 12th Standard, Board of Intermediate Education, Andhra Pradesh
• March 2001 : 10th Standard, Board of Secondary Education, Andhra Pradesh
Technical Skills:
• Knowledge in Tally, MS-Word, MS-Excel and MS- Power point.
• Computer Training Course in Information Technology – ICAI Bhavan, Vijayawada.
• Computer course in Information Technology – Centre for Information Technology, ICWAI Bhavan,
Vijayawada.
• Diploma in Tally, Classic computer academy, Bangalore.
Trainings :
• Credit Training Programme for Newly Recruited Chartered Accountants at SBIICM, Hyderabad .
(16/08/2010 to 28/08/2010)
• 15 days Post Sanction Training Programme at SCB, Tirupur, Tamilnadu .(15.09.10 to 30.09.10)
• One day work shop on Revised ‘S’ Format at SBI ILC, Nungambakkam.
• One day training programme on LLMS Application held at Chennai.
• One day training programme on Companies Act 2013 held at Coimbatore
ADDITIONAL INFORMATION
Hobbies: Playing cricket, watching movies and reading books.
Advice for Contacting:
I’m always open to conversation, networking with like-minded professionals or discussing future prospects.
Connect with me on Linked In or contact me at rajag.ca@gmail.com , rajag.ca@sbi.co.in