Abhijeet Bhaduri

Home Loans - Credit Assessment Officer - Senior Group

• Assessment and Processing of various Home Loan Applications like Purchase, Refinances, Cash-Out up to $2.25M and 80% (Loan to Value) Ratio
• Evaluate Customers' Profile, Income, Assets, Expenses, and Liabilities to assess their Ability to Repay.
• Analyze & Review Borrower's Financial Status to process the Loan Request accordingly
• Calculate and Determine Correct Serviceability to ensure that neither Customer nor the Bank faces any Financial Hardship at any stage of tenure
• Assessment of various Incomes including Base, Variable, Commission, Overtime, Bonus, Child Support, Rental Incomes through Payslips, Tax Returns, Bank Statements, and other Financials
• Handled Inbound and Outbound calls with Australian Brokers & Mobile Lenders for faster processing of the financial needs of the customers
• Regular Meetings, Sessions and Huddles with Credit Coaches and Support Staff for Understanding and Implementation of New Process Updates and Compliance along with discussion over Success, Errors & Areas of Improvement

Triage Team - Credit Assessment Officer - Senior Group

• Processed and Handled any Sensitive Information evident under Documentation Requirement for Home Loan Applications as per the Eligibility Criteria servicing, complying and comprehending according to Statutory Process Guidelines
• Liaising with Bankers/Brokers as per the Requirements stated for Assessment Completion Purpose by working Collaboratively with Credit Assessment Team in providing Efficient Customer Outcomes

Senior Associate (Step-Up SME/Trainer Support) - XPO LOGISTICS

• Trained and Supported New Team members, maintaining culture of collaboration
• Allocation of Case Work as Appropriate in accordance with Agreed Criteria and Requests
• Monitored & Maintained Quality Report of New Hires and Existing Team members on the Logistics Billing & Invoicing Process in Training & Nesting Period
• Conducted Training Sessions for New Hires and Refresher Sessions for the Existing Team Members for Product Knowledge Enhancement, Process Updates, and Procedural Changes
• Improved Process Knowledge Skills by adapting various methods like Interactive Sessions, Quiz & Questionnaire to understand the Areas of Improvement
• Analyzed & Developed both Verbal & Written Communication Skills
• Conducted Weekly Calibration Sessions of New Hires with Quality Team on Errors and Feedbacks

Senior Associate (Sr. US Mortgage Underwriter) - LOAN DEPOT

• US Mortgage Underwriting basis of 4C's of Credit under Fannie Mae and Freddie Mac Guidelines
• Process Various Residential Home Loan Applications ranging up to 95% Loan to Value Ratio
• Evaluate Customer's Profile, Income, Assets, Expenses, and Liabilities to assess their Ability to Repay by Calculating appropriate Serviceability to avoid both Customer and Bank from Financial Hardship
• Analyze and Review Borrower's Financial Status to process the Loan Request as per Verification of Various Incomes and Credit History

Quality Analyst - NATIONAL AUSTRALIA BANK

• Conducted Audits on Mortgage Applications and Shared Documented Feedbacks for rectification
• Conducted Regular Refresher Sessions & Mentored Team Members on Product & Process Knowledge
• Performed Duties of SME by sharing Best Practices to ensure Accuracy & Process SLA
• Key Member in Underwriting & File Quality Calibration Process for delivering Quality Outcome to customers within the minimum stipulated time frame
• Active Participation in Project Boost to provide ideas for Better Facilitation of process and reduction in errors under both Verticals (Underwriting & File Quality)

Mortgage Underwriter - NATIONAL AUSTRALIA BANK

• Verification of various Home Loan Applications ranging up to 95% Loan to Value Ratio
• Evaluate Customer's Profile, Income, Assets, Expenses, and Liabilities as per Industry Standard Requirements to assess their Ability to Repay and Calculating & Determining Correct Serviceability
• Provided Floor Support and Coaching in the Team for Enhancing Customer Service Experience and Process Metrics by Sharing Best Practices and complying over set Guidelines
• Appointed as Govt. Fees Champion and Quality Hero for maintaining the Process Quality Standards
• Developed Strategies within the Team to reach Process Targets and maintain Customer Service Excellence
• Successful Portfolio Management and Efficient Handling of Allocations and Escalations
• Handled Inbound and Outbound calls for faster processing of the financial needs of the customers

• Reached out to potential referral customers via telephone and in-person for their inquiries.
• Established relationships with key decision-makers within organization to promote growth and retention.
• Negotiated and closed long-term agreements with existing clients in assigned territory.
• Handled accounts of cash/non-cash billing transactions
• Organized and handled events, team activities and as per demand options
• Supervised site productions and event activities ranging from Catering, Decoration, etc. or personal activities demanded ensuring utmost customer satistfaction

Process Associate (Customer Service Executive) - SANTANDER BANK

• Handled Inbound Service Calls from UK Customers for their In-Store Cards
• Provided Complete & Correct Information for their Cards Usage and Benefits Details
• Improved Customer Satisfaction by Quickly and Effectively addressing Inquiries and Complaints.
• Keep up with the Call Quality Standards and meet all Process Targets as per SLA
• Maintained Proper Records of Customers Call Data & Ensure 100% Data Protection