BALASUBRAMANIAN B
Credit underwriter
Madurai,TN
Summary
Dynamic Senior Associate at Mashreq Global Services with expertise in credit analysis and risk assessment. Proven track record in fraud detection and team management, ensuring compliance with regulatory standards. Recognized for exceptional problem-solving abilities and maintaining strong relationships with stakeholders, driving efficiency in loan underwriting processes.
Overview
7
7
years of professional experience
Work History
Senior Associate
Mashreq Global Services
Bangalore
08.2021 - Current
- Processing under the Unsecured Personal Loan and Credit Card Underwriting Team.
- Maintaining meticulous attention and following a detailed approach while underwriting personal loan portfolios.
- Performed risk analysis and made decisions regarding deficiencies identified during the review process.
- Regulating all approvals within credit policy and product parameters.
- Experienced with standard credit bureau attributes.
- Underwrite new and renewal business under the supervision of the Team Leader.
- Maintaining excellent follow-up with management, loan originators, loan processors, and borrower clients throughout the underwriting process.
- Ability to read and analyze credit bureau reports, with income review, to determine the applicant's creditworthiness by evaluating the trends, payments, and credit exposure.
- Identified transaction components that indicate a potential for fraud and performed sufficient investigative work to resolve issues that are identified.
- Managing one's own workload to ensure all work is completed in a timely manner, within our Service Level Agreement.
- Managing the team members and allocation of daily work assignments related to loan accounts.
- Maintained positive working relationship with fellow staff and management.
- Managed team resources, including assigning tasks, monitoring progress, and ensuring deadlines were met.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
Senior Officer
YESBANK
Chennai
05.2018 - 08.2021
- Working in the Liability and Management Operations Team.
- Verifying and processing the CASA individual, non-individual, and HUF.
- Review KYC documentation as per bank circulation, and implement the process.
- Handling the priority account opening form on a scanned basis with high importance.
- Account opening quality checking, maintaining the daily account opening data, and ratifying the errors.
- Check the account opening form on a daily basis.
- Verifying the customer details with AML.
- Responsible for keeping track of the original pending AOF and sending the MIS to the branches on a regular basis.
- Ensure all the OVDs are online with the RBI regulations.
- TAT monitoring and maintaining MIS on a daily basis.
- Ensure high accuracy in the account-opening form.
- Flex cube is used for the purpose of address verification in bank attestation, account number verification, and verification of nominee for knowing basic customer details.
- Audited company's legal documents to verify compliant policies and procedures.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Education
MBA - Banking And Finance
Alagappa University
Karaikudi05-2022
B.TECH - Information Technology
Kalasalingam University
Srivilliputhur06-2015
HSC - Computer Science, Maths
Ideal Higher Secondary School
Erode05-2011
SSLC - General Studies
Adharsh Vidhyalaya Higher Secondary School
Erode05-2009
Skills
- Credit analysis
- Risk assessment
- Fraud detection
- Loan underwriting
- Data entry
- Regulatory compliance
- Problem solving
- Team management
- Decision-making
- Proposal writing
- Reliable and punctual
Community Involvement And Recognised Achievements
- Completed the NISM Mutual Fund V-A Distribution Exam
- Joined as coordinator in the Nature Club and Photography Club of the university
- I worked as a volunteer in the college fest and NSS
- Managing the team members and allocating daily work assignments related to account opening and account instruction
Affiliations
- Received Spot Award certificate in recognition of achievements and dedicated efforts during 2021 and 2022 in Mashreq
- The winner in the DPL (DVU Premier League) contest conducted by the LIMOPS team was determined based on error percentage and productivity at Yes Bank
- Awarded as Best Team Player for achieving the top of the productivity table
Personal Information
- Date of Birth: 05/20/94
- Nationality: Indian
Languages
- English
- Tamil
Disclaimer
I hereby declare that, the above furnished particulars are true to the best of my knowledge and belief.
Languages
Tamil
First Language
English
Intermediate (B1)
B1
Timeline
Senior Associate
Mashreq Global Services
08.2021 - Current
Senior Officer
YESBANK
05.2018 - 08.2021
MBA - Banking And Finance
Alagappa University
B.TECH - Information Technology
Kalasalingam University
HSC - Computer Science, Maths
Ideal Higher Secondary School
SSLC - General Studies
Adharsh Vidhyalaya Higher Secondary School
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