Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Maritalstatus
Personal Information
Timeline
Generic
Avani Thakur

Avani Thakur

Mandi,H.P

Summary

An enthusiastic individual who is keen to build upon knowledge, learn new skills and advance in the career. I wish to deliver and develop my abilities and achieve excellent results in the work. I also wish to achieve self improvement and gain knowledge for better job performance

Overview

3
3
years of professional experience
6
6
years of post-secondary education
3
3
Certifications

Work History

Senior Associate (CRE Portfolio Manager)

WNS Global Services
06.2023 - Current
  • Working on Expected loss Pass which includes preparing of ATP, calculating Net operating income, Debt service coverage ratio, and analysis of tenants and reaffirming and generating risk ratings of the borrower per the current situation and property performance of the borrower.
  • Preparing annual review paper of Guarantor assessment which involves a detailed review of guarantors financial statements like BTR, PTR, Global real estate schedules of individual and corporate guarantors.
  • Worked on Ad hoc project like Appraisal Cleanup.
  • Directly connecting with client related to case discussions and queries on a weekly basis
  • Prioritized tasks to meet tight deadlines with proof read and edited documents for accuracy and grammar.

Senior associate Consultant

WNS Global Services
1 2022 - 05.2023
  • Currently supporting US based client and handling their Commercial Real Estate Portfolio
  • Key responsibilities are as follow 1.) Preparing the template for each CRE( Commercial Real Estate) loan and performing Quarterly review from various sources like Loan agreement, Appraisal document, RCA, Income statement, Rent roll, Guarantorʼs financials. 2.) Spreading the financials of mortgaged property/borrowers in a standard format and ratio analysis 3.) Analysis of small balance (FNMA loans) 4.) Conduct covenant testing for property financials and guarantor financial as per the loan agreement. 5.) Preparing detailed financial models and analysis to make quantitative and qualitative research efficient.

Mortgage underwriter

WNS Global Services
01.2021 - 01.2022
  • The key deliverables and responsibilities are as follows: 1.) Prepared reports on assessment findings. 2.) Make loan eligibility decisions and approve or reject applications. 3.) Review and specify loan conditions as necessary. 4.) Ensure compliance with regulatory standards, company policies and guidelines. 5.) Document and effectively communicate reasons for the approval or rejection of loans. 6.) Return applications with additional documentation to the loan officer for review.

Education

Master of Business Administration -

Chitkara University
Rajpura
01.2020 - 04.2022

Bachelorʼs of commerce -

Chitkara University
Rajpura
01.2017 - 04.2020

Skills

Financial analysis

Commercial underwriting

Credit analysis

Covenant testing

Mortgage underwriting

Certification

US Mortgage program

Accomplishments

  • Received client appreciation for completing new task with accuracy and efficiency
  • Received appreciation for timely deliverable to client

Maritalstatus

Unmarried

Personal Information

  • Date of Birth: 10/28/99
  • Nationality: Indian

Timeline

Senior Associate (CRE Portfolio Manager)

WNS Global Services
06.2023 - Current

Mortgage underwriter

WNS Global Services
01.2021 - 01.2022

Master of Business Administration -

Chitkara University
01.2020 - 04.2022

Bachelorʼs of commerce -

Chitkara University
01.2017 - 04.2020

Senior associate Consultant

WNS Global Services
1 2022 - 05.2023

Similar Profiles

CREATE PROFILE
Avani Thakur