Akash Bhola
Summary
Dynamic and detail-oriented professional with experience in trade and transaction reporting, complemented by a robust background in underwriting and operations within payment protection insurance.
Overview
7
7
years of professional experience
Work History
Trade & Transaction Reporting
Natwest Group
12.2023 - Current
- Delivering manual submissions of transactions under all applicable reporting jurisdictions and through appropriate forums.
- Taking responsibility for the exception management of trade and transactions submissions under all applicable reporting jurisdictions.
- Raising and escalating any breaches in regulatory reporting in a timely manner.
- Maintaining documentation, including changes in regulations, new regulatory requirements, changes in internal processes and requests to support the business.
- Submit trade and transaction reports to regulators and adhere to controls.
- Support trade and transaction reporting processes, ensuring compliance with regulatory obligations.
- Knowledge of applications - Blotter(Reporting engine), DTCC, Rates Trader, Markitwire, Ice etc.
Senior Mortgage Underwriter
Natwest Group
08.2021 - 12.2023
- Perform data evaluation on information retrieved from Mortgage Application Form (MAF).
- Evaluate loan application based upon 4 C’s – Credit, Capacity, Capital and Collateral.
- Validate all the provided information with supporting documents and do online search if require. (Ex. Employment search or property search on google)
- Understanding of all applications used by POD A Underwriter. (Galileo, ISIS, GMS, Mortgage Toolkit, PLU Toolkit etc.)
- Evaluate the risk involved in approving a loan and check if it passes the affordability or not.
- Knowledge of Appraisal, Title, Credit report, Bank statements and Income statements.
- Knowledge of KYC documents and checks.
- Have understanding that how to calculate LTV, Income and Commitments from Payslip etc.
- Check for any additional docs like Valuation report, Other letter, KYC documents etc.
Customer Service & Operations Analyst
Natwest Group
08.2017 - 08.2021
- Validate customer confidential information and calculate accurate offer based on their Payment Protection Insurance.
- Processing customer requests by gathering their profile/complaint data and contributing to the optimal satisfaction of their interest.
- Client satisfaction.
- Regular cross audits to identify false claims.
- Doing daily allocation for the team, helping in serving customer within agreed Turn around Time/SLAs.
- Expertise in several applications used by the Bank.
- Expertise knowledge in all of these products(Loans, Direct Finance, Overdraft and Credit Card) along with “Acceptance & Login” process in Payments Team.
- Coordinate with other teams for required information and connect with team members to produce the finest level of output.
- Render application decisions based on consultations with supervisory and upper management.
Education
Post Graduate Diploma in Banking & Finance (PGDBF)
Symbiosis
01-2022
B.com Hons
School of Open Learning, Delhi University
01-2015
Class XII
Shadley Public School
01-2012
Class X
Shadley Public School
01-2010
Skills
- Microsoft office- Outlook, Excel, Word, PowerPoint
- Java Based Tool – Back Office, Citric Applications
- Critical Thinking
- Decision Making
- Trusted Advisor
- Problem Solving
- Ability to Multi-task
Languages
Hindi
First Language
English
Advanced (C1)
C1
Accomplishments
- Received Star Performer of the Month for giving training to Chennai users in 2019 and 2020.
- Awarded with the LOV certificate for submission of new ideas for the betterment of process.
- Awarded with the Gold Ovation for successfully taking over the overseas process.
- Recipient of gratitude notes and Employee Recognition from People Leaders on various occasions.
- Functions as subject matter expert (SME), guides, assists and provides assistance to existing colleagues & new joiners
- Received spot ovations for processing most number of applications with 100% quality in various months.
Timeline
Trade & Transaction Reporting
Natwest Group
12.2023 - Current
Senior Mortgage Underwriter
Natwest Group
08.2021 - 12.2023
Customer Service & Operations Analyst
Natwest Group
08.2017 - 08.2021
Post Graduate Diploma in Banking & Finance (PGDBF)
Symbiosis
B.com Hons
School of Open Learning, Delhi University
Class XII
Shadley Public School
Class X
Shadley Public School
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