Manu Bansal

Credit Risk Analyst/Commercial underwriter

• Credit underwriting of merchant cash advances (MCA),Business Term Loan,Small business Loan and PPP loan (US Government).
• Working closely with case manager & Senior underwriter in structuring, analyzing and negotiating credit transaction.
• Determining the ability of borrower to repay a loan based on analyzing the income statement, bank statement,tax returns,balance sheets & cash flow statement and other financial information.
• Due diligence of all client details like bank statements,client UCC report,NYCS report & SOS report as need to determine the creditworthiness of a borrower
• Conduct comprehensive background checks on potentials clients to assess the character risk,taxes,judgement,liabilities,existing financing and secured creditors.
• Provide recommendation for approval through calculating DSCR ration, average bank balance or decline of application if company's policies not met.
• Ready for funding the loan through client KYC and Strips the all documents.

Annuity processing

• Evaluate & analyzing a annuity policy through various tools like tango, Mac ect.
• Good understanding of various function like return to sender , address change,RMD, OFT,Fund transfer, Redemption.
• Send RMD closing notices in agency management system.
• Verified bank details through void check and annuity forms, Client signature by using of ONBASE software.

·

Part of Financial analysis Team - AML KYC Project

• Hands on experience on complete KYC lifecycle of client onboarding in investment banks including stages of Initial data collection, Customer Identification Program, Monitoring of Transaction and risk
• Understand and keep update on the current Red Flags and industry trends related to AML
• Investigates reviews and monitors suspicious customers' account transaction activities and made recommendations for further review or closure
• Analyzed clients' database to create Customer Monitoring Report.

Part of Health insurance Team.

• Making new policy as per diagnose code
• Policing servicing
• Claim after verification of documents
• Backdate payments
• Endorsement
• Dishonors
• Unpresented cheque

Responsibilities

• Taking clients call daily/weekly regarding updates and work status
• Work on Escalated or high aging cases of the process
• Management of daily reports which includes production reports, weekly & monthly reports
• Assist senior management in bringing continuous improvement in process
• Management and team performance
• (Performance and quality data for whole Team)
• Generate, maintain, analyze & present daily/ weekly/ monthly performance Report
• Work distributing and compile
• Assist my manager to maintain production report, work compiling and work distribution
• Prepare SLA report and VIC for the team.