Annesha Bhagawati
Bangalore
Summary
Dynamic Credit Analyst with a proven track record at NIRA Finance, leveraging strong interpersonal skills and meticulous attention to detail. Excelled in underwriting and risk assessment, significantly enhancing loan approval processes. Expert in MS Excel and SQL, achieving high conversion rates through exceptional organizational skills and problem-solving acumen.
Overview
7
7
years of professional experience
Work History
Credit Analyst
NIRA Finance
Bangalore
08.2022 - Current
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Analyzed customer payment histories to assess credit risk profiles.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Underwriting for micro ticket loans 5k-150k using detailed and comprehensive credit policy along with the increasing knowledge and experience in our target customer behavior.
- Applied insights gained from evaluations to refine existing policies.
- Shown ownership by taking and handling additional tasks and high performance by maintaining minimal flow rate and strong month on month conversion rate.
- Reviewed credit applications and approved or denied based on thorough analysis.
Process Associate
Flatworld Group
Bangalore
02.2019 - Current
- Review tax records in their entirety along with modifications, UCC Records, Liens, trust rates, judgments, assumptions
- Ensuring all documents meet the applicable compliance and mortgage code requirement
- Thorough checks of purchase mortgages and refinance documents
- Performing checks and efficiency of mortgage documents like Veteran Affairs
- Federal housing Administration loans and conventional loans
- Compliance checks on reported values against the MERS
- Handled various scrutiny assessment proceedings along with post assessment proceedings
- Perform underwriting decisions based on income (W2 wage earner, self-employed, sole proprietor, partnerships, S-Corp, Corporation, non-taxable income), assets, credit, collateral, title and risk
- Review interest rates and interest rate locks
- Meet, waive, and add necessary conditions and discuss loan conditions and decisions with processors and/or sales team
- Prepare written rationalization for underwriting decisions of Credit and Income Approval/Approve/Decline based loan documents received and product/program guidelines
- Perform quality & compliance checks of all documentations
Special Educator
Leap Year
Bangalore
09.2017 - 09.2018
- Instigating skill development of special needs children with psychometric testing and application of developmental theories
- Creating a nurturing environment with the help of psychoanalysis and ABA (Applied Behavior Therapy)
- Created and implemented lesson plans based on child led interests and curiosities to help their mental growth
- Organized physical activities for physiological growth and reducing parental dependencies
Education
PGD - AUTISM SPECTRUM DISORDER
KPAMRC
BangalorePGD - PSYCHOLOGICAL COUNSELLING
JAIN UNIVERSITY
BangaloreBACHELOR OF ARTS (HONOURS) - UNIVERSITY OF CALCUTTA
LORETO COLLEGE
Skills
- Strong interpersonal & communication skills
- MS Office Suite
- Problem Solving
- Meticulous attention to detail & Poised under pressure
- Excellent Organizational skills
- SQL
- Underwriting
- Microsoft Excel proficiency
Hobbies and Interests
- Reading
- Art
- Travel
Timeline
Credit Analyst
NIRA Finance
08.2022 - Current
Process Associate
Flatworld Group
02.2019 - Current
Special Educator
Leap Year
09.2017 - 09.2018
PGD - AUTISM SPECTRUM DISORDER
KPAMRC
PGD - PSYCHOLOGICAL COUNSELLING
JAIN UNIVERSITY
BACHELOR OF ARTS (HONOURS) - UNIVERSITY OF CALCUTTA
LORETO COLLEGE
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