Anitha Selvam
Dubai
Summary
Highly accomplished Mortgage Underwriter and Financial Risk Specialist with proven expertise at NatWest Group in end-to-end lending decisions, UK regulatory compliance (FCA/MCOB), and operational optimization through automation. Awarded the prestigious Ovation Award for maintaining 100% quality assurance and high productivity. Skilled in managing high-value customer applications, global coordination, and mitigating risk through comprehensive KYC/AML and fraud investigation.
Overview
3
3
years of professional experience
Work History
Mortgage Underwriter – POD A
NatWest Group
01.2024 - Current
- Serve as primary Mortgage Underwriter, making final high-stakes lending decisions based on rigorous financial analysis including DTI and affordability assessments.
- Ensure strict adherence to UK regulatory standards and mitigate risk through comprehensive KYC/AML checks and active fraud investigation including PEP status.
- Recipient of Ovation Award for maintaining 100% quality assurance and high productivity throughout the year.
- Selected through a competitive multi-stage process, ranking in the top 6% of 80 candidates.
Senior Analyst
NatWest Group
09.2022 - 12.2023
- Achieved accelerated promotion to Senior Analyst within one year by leveraging expertise in automation and process improvements.
- Acted as critical intermediary between valuers, brokers, and UK POD Underwriters, organizing meetings to streamline mortgage application flow.
- Specialized in high-volume KYC for high-income profile customers, ensuring swift mortgage acquisition.
- Awarded internal recognition for exceptional team engagement and effective global coordination.
Customer Service and Operation Analyst
NatWest Group
07.2022 - 09.2022
- Elevated team performance as Subject Matter Expert (SME) by developing and delivering comprehensive training programs for new hires and managers.
- Rapidly developed and applied automation expertise critical to indexing team operations.
- Demonstrated exceptional commitment and technical skill, earning first promotion within one year.
Education
Masters of Information Technology -
WOMEN'S CHRISTIAN COLLEGE
01.2021
Bachelor's of Computer Science - undefined
GURU NANAK COLLEGE
01.2019
Skills
- Mortgage Underwriting & Lending Decisions (Approve/Decline)
- Financial Analysis (DTI/Affordability)
- KYC/AML & Fraud Investigation
- PEP Status Screening
- UK Regulatory Compliance (FCA/MCOB)
- Quality Assurance (100% QA)
- Process Automation & Operational Excellence
- Stakeholder Facilitation & Global Coordination
- Subject Matter Expertise (SME)
- Training & Development
- Project Management
- Critical Thinking, Communication, Leadership, Teamwork, Time Management
Websites
LANGUAGES
English (Fluent)
Hindi (Fluent)
Tamil (Fluent)
Timeline
Mortgage Underwriter – POD A
NatWest Group
01.2024 - Current
Senior Analyst
NatWest Group
09.2022 - 12.2023
Customer Service and Operation Analyst
NatWest Group
07.2022 - 09.2022
Bachelor's of Computer Science - undefined
GURU NANAK COLLEGE
Masters of Information Technology -
WOMEN'S CHRISTIAN COLLEGE