BHUVANESH S
No:188/226,Pycrofts Main Road,Royapettah,Chennai
Summary
Detail-focused Mortgage Underwriter known for high productivity and efficiency in task completion. Possess specialized skills in risk assessment, financial analysis, and regulatory compliance. Excel in critical thinking, decision-making, and problem-solving to navigate complex mortgage applications. Committed to maintaining accuracy and integrity in all underwriting processes.
Overview
4
4
Languages
7
7
years of post-secondary education
4
4
years of professional experience
Work History
Operational Analyst
Barclays Bank PLC
Noida
09.2025 - Current
- Collateral appraisal process used by wholesale lenders (such as mortgage or asset-based lenders) to verify the market value of the asset securing a loan originated through third parties or brokers.
- Handled the end-to-end collateral valuation process, including receiving valuation instructions, reviewing and loading inputs, processing requests.
- The Bank generally does not carry out valuations internally. Instead, we appoint a Professional Valuer to prepare an independent valuation report for the Bank.
- When a bank takes a charge over real estate, that property acts as the ultimate safety net. If the borrower's cash flow fails and they default, the bank's primary exit strategy is to seize and sell that asset to recoup its capital.
- Cross-trained in collateral release and maintenance processes to support broader team operations and improve departmental facility.
- When a client borrows money from the bank i the form of a loan or overdraft etc., the Bank will often take some form of collateral from the client.
- Collateral is an asset which is usually owned by the client which they allow the bank to be able to sell if they fail to repay the borrowing.
- Execute work requirements as identified in processes and procedures, collaborating with and impacting on the work of closely related teams.
- Check work of colleagues within team to meet internal and stakeholder requirements.
- Valuations :
- Roles & Responsibilities
Associate
Novac Technology Solutions
Chennai
12.2023 - 07.2025
- To check client KYC documents and raise further requirements to complete issuance without any delay. Check the risk and fraud may appears it took high involvement and resolved the issue on high priority.
- Transactions that involve depositing large a mountns of cash inconsistent with the normal and expected activity of the customer.
- Responsibility for maintaining the standards of accuracy, up to date client information during all stages of the client relationship in order to protect the company and our clients from Financial Crime.
- Detect and report suspicious activity including the predicate offenses to money laundering.
- Collaborating closely with other functions and business areas teams for completing the work with efficiency and getting things done on time.
- A Team player with exceptional communication, analytical, relationship management skills.
- Able to work in a highly dynamic environment and able to multi-task, target driven and self-motivated.
- Roles & Responsibilities
College Internship
Cameo Corporate Services
Chennai
07.2022 - 08.2022
- Storing, Managing and tracking documents.
- Customize all documents that need to be distributed such as invoices, forms and other documents.
Education
MBA - Banking And Finance
Vels University (ODL)
Chennai, 07.2023 - 06.2025
B.COM -
Patrician College of Arts and Science
Chennai 06.2020 - 05.2023
HIGHERSECONDARY -
Sree Venkateshwarar Matric.Hr.Sec.School
Chennai 06.2019 - 05.2020
SSLC -
Sree Venkateshwarar Matric.Hr.Sec.School
Chennai 06.2017 - 05.2018
Skills
- Decision Making
- Teamwork
- Leadership
Languages
English
Proficient
C2
Tamil
Proficient
C2
Telugu
Proficient
C2
Hindi
Intermediate
B1
Timeline
Operational Analyst
Barclays Bank PLC
09.2025 - Current
Associate
Novac Technology Solutions
12.2023 - 07.2025
MBA - Banking And Finance
Vels University (ODL)
07.2023 - 06.2025
College Internship
Cameo Corporate Services
07.2022 - 08.2022
B.COM -
Patrician College of Arts and Science
06.2020 - 05.2023
HIGHERSECONDARY -
Sree Venkateshwarar Matric.Hr.Sec.School
06.2019 - 05.2020
SSLC -
Sree Venkateshwarar Matric.Hr.Sec.School
06.2017 - 05.2018