Ankita Meher
Mumbai
Summary
Talented professional with several years of experience and expertise in underwriting. Strong statistical analysis, calculating income, and negotiating skills. Well versed in underwriting mortgage files to manage risk and mitigate loss.
Overview
11
11
years of professional experience
Work History
Senior Underwriter
tata consultancy services
Mumbai
05.2016 - Current
- Evaluated debt-to-income ratios ensuring adherence to regulations.
- Formulated debt management solutions derived from analysis of client's credit profiles.
- Evaluated financial and credit status of applicants to assess loan feasibility.
- Performed comprehensive analysis on submitted loan applications.
- Evaluated performance data to identify delinquency issues.
- Analyzed loan application data to verify all necessary components.
- Calculated debt-to-income ratios to assess borrowers' ability to repay loans.
- Sought supplementary details for applications when needed.
- Analyzed property appraisals to ensure value and condition meet loan requirements.
- Identified valuable solutions for customers with credit problems.
- Conducted due diligence reviews of loans prior to closing.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
Associate
Ocwen
Mumbai
04.2015 - 05.2016
- Evaluated customer collateral for loan security.
- Submitted applications to credit analysts.
- Coordinated with underwriters for loan approval and final decision-making.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
- Prepared and reviewed loan agreements to ensure accuracy and completeness.
- Kept detailed records regarding approved, denied and received loan applications.
- Educated customers regarding actions and strategies for debt repayment.
- Informed customers of application deadlines, approvals and denials.
Associate
ICICI PRUDENTIAL
Mumbai
04.2014 - 04.2015
- Managed multiple tasks simultaneously while maintaining attention to detail.
- Identified opportunities for process improvement and cost savings initiatives.
- Operated equipment such as scanners and scales correctly during checkout process.
- Analyzed sales data to identify trends and adjust sales strategies accordingly.
- Maintained records related to sales for store management.
Education
MBA - Operations Management
Welingkar Institute
Mumbai06-2019
BBA - Banking And Insurance
Mumbai University
Vasai04-2013
High School Diploma -
Mumbai University
Viva College03-2010
High School Diploma -
Maharashtra Board
03-2008
Skills
- Managing risk
- Underwriting guidelines
- Risk management
- Credit analysis
Accomplishments
- Best performer
Languages
English
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Marathi
Proficient (C2)
C2
Timeline
Senior Underwriter
tata consultancy services
05.2016 - Current
Associate
Ocwen
04.2015 - 05.2016
Associate
ICICI PRUDENTIAL
04.2014 - 04.2015
MBA - Operations Management
Welingkar Institute
BBA - Banking And Insurance
Mumbai University
High School Diploma -
Mumbai University
High School Diploma -
Maharashtra Board
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