Summary
Overview
Work History
Education
Skills
Affiliations
Languages
Accomplishments
Certification
Websites
References
Timeline
Generic
DEBORAH LILLY  KUNCHALA

DEBORAH LILLY KUNCHALA

AL KARAMA

Summary

Resourceful Financial Analyst with progressive financial industry experience financial controls, budgeting. Strong leader with excellent motivation and communication skills to build and manage high-performing teams. Junior closer successful at evaluating and distilling complex financial data. Excels at cultivating and maintaining strong client relationships. Stays current on developments across multiple industries to best serve clients with fresh, accurate and relevant information and mitigate potential impacts. Diligent College Student focused on financial analysis and dedication to prompt project completion and continual adaptation. Team-oriented collaborator with reliability and focus on equitable task distribution through group projects and motivation to accomplish mutually held goals. Hardworking employee with customer service, multitasking, and time management abilities. Devoted to giving every customer a positive and memorable experience. Motivated high school student with a track record of academic excellence looking for full-time work. Intends to develop professional work experience utilizing excellent communication and time management skills. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth.

Overview

4
4
years of professional experience
1
1
Certification

Work History

Financial Analyst

FIRST SOURCE
HYDERABAD
12.2022 - 09.2023
  • Recommended adjustments to loan terms or conditions based on individual circumstances.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Performed periodic reviews of existing loans to ensure continued compliance with established policies.
  • Developed strategies for minimizing losses due to credit defaults or delinquencies.
  • Followed underwriting guidelines in developing rates for new and renewal groups.
  • Assessed potential risks associated with each transaction prior to approving loans.
  • Gathered data to determine status of account refunds.
  • Provided guidance on underwriting procedures to junior staff members.
  • Prepared reports summarizing analysis results for management review.
  • Worked alongside internal department to cross-sell company's offerings.
  • Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
  • Worked with colleagues to review, accept or deny new and renewal business.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Approached customers and engaged in conversation through use of effective interpersonal and people skills.
  • Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.

Loan Closer

COGNIZANT TECHNOLOGY SOLUTIONS
HYDERABAD
09.2021 - 12.2022
  • Filed and maintained loan records.
  • Established escrow accounts for taxes and insurance payments as needed.
  • Completed final closeout of systems after loan funding.
  • Performed quality control reviews on closed files prior to submitting them for audit.
  • Checked applicant credit, personal references and employment histories.
  • Prepared and typed loan applications, closing documents or legal documents using computers.
  • Reviewed and corrected errors on interest, principal and closing costs.
  • Verified borrower information including credit reports, employment history, asset verification and debt-to-income ratio.
  • Partnered with advisors and other parties to collect information to satisfy closing conditions.
  • Monitored post-closing activities such as recording fees, finalizing titles, releasing funds from escrow accounts.
  • Prepared Closing Disclosure statements and other required documents in accordance with federal regulations.
  • Communicated effectively with clients via phone and email throughout the entire loan process.
  • Examined and verified information in loan application and closing documents.
  • Attended weekly meetings with staff members to discuss current loan transactions.
  • Responded to customer inquiries and researched answers to questions.
  • Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.
  • Checked value of customer collateral to hold as loan security.
  • Read and interpreted loan and legal documentation.
  • Handled pipeline of active deals in closing stage.
  • Answered questions and advised customers regarding loans and transactions.
  • Assisted borrowers in understanding all aspects of their loan transaction while providing guidance on best practices regarding their financial decisions.
  • Maintained accurate records pertaining to each loan file in compliance with company policies and procedures.

Financial Analyst

COGNIZANT TECHNOLOGY SOLUTIONS
HYDERABAD
06.2019 - 09.2019
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Established credit limits and grant extensions of credit on overdue accounts.
  • Assisted clients with developing loan repayment plans and budgets.
  • Prepared closing documents, including title policies, deeds, and other related items.
  • Reviewed and corrected errors on interest, principal and closing costs.
  • Maintained complete confidentiality of submitted information according to release guidelines.
  • Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.
  • Filed and maintained loan records.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
  • Checked value of customer collateral to hold as loan security.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
  • Processed loan documents and ensured compliance with federal regulations.
  • Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
  • Organized files electronically according to document type and date received.
  • Reviewed customer accounts to determine on-time payments and loan terms compliance.
  • Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
  • Ordered appraisals and title services on behalf of borrowers when necessary.
  • Verified that all conditions of the loan have been met prior to disbursement of funds.
  • Performed post-closing follow up on file completion requirements.
  • Examined collateral property values to ensure they meet investor guidelines.

Education

MBA - Finance

JAWAHARLAL NEHRU TECHNOLOGY UNIVERSITY
KAKINADA
03-2018

BBA - Business Administration And Management

TSR & TBK DEGREE COLLEGE
VISAKHAPATNAM,AP
03-2016

High School Diploma -

OXFORD
VISAKHAPATNAM , AP
03-2010

Skills

  • Funds Distribution
  • Data Analysis
  • Statistical Analysis
  • Auditing
  • Customer Relationship Management
  • Financial Management
  • Finance
  • Business Development Assistance
  • Documentation Skills
  • Strong Organization
  • Portfolio Performance
  • MS Office Suite
  • Self-Motivated Professional
  • Developing Solutions
  • Administrative Support

Affiliations

  • Certified by National level management student level meet Organised by Department of
    management studies for paper presentation stress management at the National level meet
    Pageantry ’18.

Languages

English
First Language
TELUGU
Intermediate (B1)
B1
HINDI
Intermediate (B1)
B1

Accomplishments

  • • Received BESTWORKER award in 2020
    • OUSTANDING CONTRIBUTION in annual reporting 2021.
    • Best employee of the month 2023.

Certification

  • INVESTMENT BANKING

References

References available upon request.

Timeline

Financial Analyst

FIRST SOURCE
12.2022 - 09.2023

Loan Closer

COGNIZANT TECHNOLOGY SOLUTIONS
09.2021 - 12.2022

Financial Analyst

COGNIZANT TECHNOLOGY SOLUTIONS
06.2019 - 09.2019

MBA - Finance

JAWAHARLAL NEHRU TECHNOLOGY UNIVERSITY

BBA - Business Administration And Management

TSR & TBK DEGREE COLLEGE

High School Diploma -

OXFORD
DEBORAH LILLY KUNCHALA