Boney Babu
Pune,Maharashtra
Summary
A result-oriented individual having relevant experience in the banking and finance industry looking for better opportunity under the corporate umbrella.
An experienced mortgage professional with profound insight in the industry. Skilled in financial analysis, loan evaluation, and client guidance. Proven in optimizing financial performance and risk management while prioritizing customer service and compliance with industry regulations. Committed to helping clients achieve their goals.
Overview
6
6
years of professional experience
Work History
Credit Analyst
DJM Ventures (1West Finance)
12.2024 - Current
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Mortgage Loan Processor
TCS
08.2022 - 12.2024
- Proficient in reviewing diverse mortgage documents, including appraisals, liens, titles, and familiarity with legal terminology commonly used in mortgage documents
- Diligently ensuring that documents adhere to relevant laws, regulations, and industry standards
- Analyzed financial documents, including loan agreements and property valuations, to evaluate the impact of subordination on the interests of all stakeholders involved
- Expert at identifying and promptly resolving issues or discrepancies in documentation
- Conducted comprehensive title examinations to assess the lien position of existing mortgages, judgments, tax liens, and other liens on residential and commercial properties
- Order title documents and settlement statements
- Resolved title issues, such as legal discrepancies, to ensure clear and marketable title for transactions
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
SME for Loss Mitigation and Escrow Processor
Wipro
01.2021 - 08.2022
- Quality analyst and Trainer for Escrow
- Acquire a foundational understanding of mortgage products, loan types, and the mortgage application process
- Gather all relevant documents, including tax returns, insurance policies, premium notices, and payment receipts
- Pay meticulous attention to escrow documents and financial transactions to prevent errors or discrepancies
- Assisted in training new team members on company procedures, enhancing overall team performance and productivity.
- Demonstrated proficiency in utilizing industry-specific software for efficient handling of escrow-related tasks and record-keeping requirements.
- Implemented differentiated instruction techniques to accommodate various learning styles and abilities within the classroom.
Event Management Assistant
01.2019 - 01.2021
- Assist with event logistics, such as transportation arrangements, equipment setup, and ensuring that everything runs smoothly on the day of the event
- Be present at events to provide on-site support, coordinate activities, and troubleshoot any issues that may arise
Part-time Employee
Paps Organo Hypermarket
10.2019 - 11.2020
- Handling ERP 9 to generate invoices of daily sales and managing purchase records on daily basis
- Generate and analyze billing reports to provide insights into the company's revenue and accounts receivable status
Education
B. Com - Accounts and Finance
Kerala University
11.2019
12th Commerce -
12.2016
Skills
- Risk assessment
- Credit analysis
- Financial statement analysis
- Credit risk
- Credit decisions
- Financial statements expertise
- Verbal and written communication
- Loan Processing
- Mortgage documentation and Record-Keeping
- Customer - Focused
- Problem Solving
- MS Office
Accomplishments
- Client Acknowledgments
- Star performer of the month
Hobbies and Interests
- Swimming
- Running
- Singing
About Me
Mortgage Loan Processor, An experienced mortgage professional with profound insight in the industry. Skilled in financial analysis, loan evaluation, and client guidance. Proven in optimizing financial performance and risk management while prioritizing customer service and compliance with industry regulations. Committed to helping clients achieve their goals.
Timeline
Credit Analyst
DJM Ventures (1West Finance)
12.2024 - Current
Mortgage Loan Processor
TCS
08.2022 - 12.2024
SME for Loss Mitigation and Escrow Processor
Wipro
01.2021 - 08.2022
Part-time Employee
Paps Organo Hypermarket
10.2019 - 11.2020
Event Management Assistant
01.2019 - 01.2021
B. Com - Accounts and Finance
Kerala University
12th Commerce -
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