Anshuman Bhardwaj
Karnal
Summary
An organized professional who believes in taking ownership and finishing tasks on time possesses the stature of being a multitasker, performer, and team player. Goal-driven analyst polished in managing and breaking down large volumes of information. Proactive at heading off issues in operations, workflow and production by uncovering trends affecting business success. Several years of experience in industry.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Analyst I
National Australia Bank
Gurgaon
03.2023 - Current
- Reviewed comprehensive borrower profiles, including income documentation, credit reports, and property valuations for both consumer and commercial loans.
- Analyzed financial statements, tax returns, and supporting documents to evaluate borrower creditworthiness and repayment capacity.
- Assessed complex mortgage applications for HNI, UHNI clients, and small businesses with intricate financial structures and multiple entities.
- Performed detailed risk assessments to determine loan eligibility, collateral adequacy, and potential exposure.
- Interpreted underwriting policies, loan program criteria, and regulatory standards to make sound lending decisions.
- Collaborated with loan officers, appraisers, and cross-functional stakeholders to collect essential documentation and resolve discrepancies.
- Clearly communicated underwriting outcomes to internal teams, clients, and third-party vendors, ensuring transparency and alignment.
- Participated in a Quality Deep Dive Team to identify root causes of process inefficiencies, driving significant improvements in compliance and performance.
- Recognized with Star and Spot Awards for exceptional service delivery and enhancing quality metrics.
- Partnered with senior management to streamline underwriting processes and implement effective solutions.
Analyst
BMTG Advisors India Private Limited
Gurgaon
09.2020 - 09.2022
- Part of the Underwriting Specialist team where the primary focus was on analyzing the basic documentation (Income, assets & credit documents) of the borrower for compliance with agency and internal guidelines.
- Researching debt-to-income risk, analyzing credit reports for derogatory and delinquent items, and researching income, assets, and debt load.
- Provide support to the Underwriters (US), in terms of processing the documents and taking facts and figures out of the documents, and inputting them into the software.
- Review, Assess and Recommend a decision on residential conforming mortgage loans with the exposure on critical 4 C's (Credit, Capacity, Collateral & Capital).
- Assisted in training new hires and development of training material. Credit risk analysis and Risk Mitigation.
Inside Sales Executive
Foyr
Hyderabad
06.2016 - 05.2017
- Utilize a consultative selling approach and negotiate price terms of sales and service agreements.
- SaaS sales strategy development using customer decision mapping techniques.
- Providing product demos and communicating sales promotions to clients to grow the customer base.
- The best salesperson on the floor for consecutive three quarters and exceeded target sales by 50+%.
Education
PGDM -
Woxsen School of Business
Hyderabad05-2019
Bachelor of Computer Applications -
Manav Bharti University
Solan, H.P05-2016
Skills
- Financial Analysis
- Credit Risk Evaluation
- Underwriting standards
- Compliance Evaluation
- Finance
- Root-Cause Analysis
- Risk Assessment and Mitigation
- Zoho - CRM
- Process Improvement
- Business Operations Analysis
- Salesmate
- Twilio
- MS Office
- SAAS Sales
- Presentation skills
- Team Player
- Start-up (all hands on deck approach)
- Relationship Building
- Solution Selling
- Account Management
Hobbies and Interests
- Traveling
- Music
- Football
Accomplishments
- Appointed as Special Circumstance Analyst for the JIRA Express closing channel in the Insurance team at Better Mortgage. Designed a process improvement plan to reduce the turnaround time for the Jira tickets.
- Received performer of the quarter award in terms of having zero quality errors in Better Mortgage.
- Over Achieved revenue by 3 times for the company on a quarterly basis by maintaining sound relationships with the client, acquiring new businesses, and achieving repeat business for Foyr.
- Successfully completed the Global Immersion Program held at Nanyang Technological University, Singapore.
Personal Information
- Date of Birth: 03/30/96
- Gender: Male
Certification
Career Qualified in Banking (CQIB) qualification by FINSIA (Financial Services Institute of Australasia)
Timeline
Analyst I
National Australia Bank
03.2023 - Current
Analyst
BMTG Advisors India Private Limited
09.2020 - 09.2022
Inside Sales Executive
Foyr
06.2016 - 05.2017
PGDM -
Woxsen School of Business
Bachelor of Computer Applications -
Manav Bharti University
Similar Profiles
Jagdish ChandraJagdish Chandra
Network Security Consultant (Contractor) at Quess Corp (Client-National Australia Bank)Network Security Consultant (Contractor) at Quess Corp (Client-National Australia Bank)
Sima SalariSima Salari
Associate Director - Governance at National Australia BankAssociate Director - Governance at National Australia Bank
Andrew JacksonAndrew Jackson
Financial Planner at National Australia BankFinancial Planner at National Australia Bank
Mukesh KumarMukesh Kumar
Customer Success Manager at Lynx Automation Inc.Customer Success Manager at Lynx Automation Inc.
Neha ZoodNeha Zood
Deputy Manager of Operations at Arpana hospitalDeputy Manager of Operations at Arpana hospital