Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Aditi Godse

Pune

Summary

I am Aditi Godse, a postgraduate from SP Pune University. I have a total of 9 years of work experience, during which I had the opportunity to work with top companies like TCS, SLK Globals, WNS, and Barclays. In my current role, I am working as an underwriter. I have experience in risk assessment, email, onshore communication, and team coordinating and managing. I also have experience mentoring and training an onshore and offshore team in my previous organization where I worked as an asset reviewer. I am looking forward to growth opportunities and roles in a reputed organization. Thank you.

Overview

8
8
years of professional experience

Work History

Senior Associate

Barclays
Pune
10.2024 - Current
  • Experience in risk review, have strong analytical skills.
  • Expertise in various ques and flexibility in work.
  • Good communication skills with stakeholders over email and telephone as well.
  • Experienced mortgage underwriter with expertise in assessing residential and buy-to-let mortgage applications in line with UK lending criteria and regulations.
  • Skilled in affordability checks, credit risk analysis, and decision-making to deliver compliant and commercially sound outcomes.
  • Mortgage Underwriting (Residential & BTL)
  • Credit Risk & Affordability Assessment
  • Lender Policy
  • Income Verification (PAYE, Self-employed, Ltd Company, Contractor)
  • Credit Reports & Risk Mitigation
  • KYC, AML & Fraud Detection
  • Decision-Making and Case Escalation.
  • Liaising with brokers, surveyors, and conveyancers.
  • Case Management Systems
  • Strong analytical and numerical skills.
  • Assessed mortgage applications against lender risk appetite, guidelines, and internal policies, ensuring accurate lending decisions.
  • Reviewed and verified income documents, bank statements, tax returns, company accounts, and credit reports for affordability.
  • Conducted stress testing and debt-to-income ratio analysis to evaluate repayment capacity under varying market conditions.
  • Identified and escalated high-risk or complex cases for senior approval, ensuring risk mitigation.
  • Worked closely with brokers, BDMs, and solicitors to resolve queries, obtain missing documentation, and progress applications efficiently.
  • Ensured fraud prevention and AML compliance through detailed document checks and suspicious activity monitoring.
  • Provided clear and concise underwriting decisions and rationale, supporting smooth customer journeys.
  • Managed an active pipeline of cases, meeting SLAs, and turnaround times while maintaining accuracy.
  • Reduced application turnaround time by 70% through efficient risk assessment and proactive case management.
  • Achieved zero compliance breaches during internal and FCA audits.
  • Recognized for consistently exceeding underwriting productivity targets while maintaining quality.
  • Managed client communications to ensure service satisfaction and resolve issues.
  • Resolved customer inquiries in a timely manner while adhering to service level agreements.
  • Maintained positive working relationship with fellow staff and management.
  • Performed accounting or financial analysis.

Senior Associate

WNS Global services
Mumbai
12.2021 - 09.2024
  • As a seasoned mortgage underwriter in the U.S., I bring a wealth of expertise in ensuring meticulous compliance, and delivering superior underwriting services.
  • With a track record of excellence, I seamlessly blend financial acumen with a comprehensive understanding of digital marketing strategies.
  • This unique skill set allows me to contribute effectively to business growth, navigating seamlessly between the intricacies of finance and the dynamics of digital marketing.
  • Experience in risk review and handling time-based tasks.
  • Good knowledge in analytical calculations and review of documents.

Senior Associate

SLK Global BPO Services
Pune
03.2021 - 12.2021
  • Experience in financial document review.
  • Able to analyze and review analytical calculations as per process requirement.
  • Experience in AML and KYC procedures.
  • Experience in risk analysis.
  • Worked on US mortgage as junior underwriter.
  • Experience in working with the assets module.
  • Able to handle bank statements, stock statements, retirement accounts, business statements, gift funds, earnest money, etc.
  • Comfortable working in both refinance and purchase loans.
  • Developed training materials and facilitated sessions for new employees.
  • Mentored junior associates, providing guidance on complex tasks and projects.
  • Analyzed data and created reports for senior management.

Associate

Tata Consultancy Services (TCS)
Pune
06.2017 - 02.2021
  • I have experience of working in us mortgage industry at prepare for underwriting stage.
  • I have knowledge about 4c s, underwriting documents, income calculations, credit scores, etc.
  • I am cross trained in fha and va and conventional refinance loan.
  • Experiencing in time management and process knowledge.
  • Experience in working under close deadline loans as per TAT and SLAs
  • Experience in SOP reding and analyzing.
  • Trained new associates on store operations, policies, and procedures.
  • Managed multiple tasks simultaneously while maintaining attention to detail.

Education

M.Com - Commerce

SAVITRIBAI PHULE PUNE UNIVERSITY
Pune, India
01.2020

B.Com - Commerce

Shivaji University
Kolhapur, India
01.2017

Skills

  • Risk assessment
  • Communication skills
  • Stakeholder communication
  • Problem solving
  • Process improvement
  • Time management
  • Critical thinking
  • Documentation review
  • Written communication
  • Multitasking capacity
  • Active listening and learning
  • Document analysis
  • Teamwork and collaboration
  • Analytical skills

Languages

  • English
  • Hindi
  • Marathi

Timeline

Senior Associate

Barclays
10.2024 - Current

Senior Associate

WNS Global services
12.2021 - 09.2024

Senior Associate

SLK Global BPO Services
03.2021 - 12.2021

Associate

Tata Consultancy Services (TCS)
06.2017 - 02.2021

M.Com - Commerce

SAVITRIBAI PHULE PUNE UNIVERSITY

B.Com - Commerce

Shivaji University

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Aditi Godse