Deepali Chaudhary

• Performing financial spreading of corporate and individual borrower credit rating process
• Spreading of Business financial ( Audited, company prepared, reviewed,compiled)personal financial statement, credit report
• Analysing financial ratios like liquidity ratio, solvency ratio and profitability ratios
• Preparing report for borrowers for financial analysis (qualitative and quantitative)
• Financial statement analysis (Profit and Loss statement, Balance sheet, Cash flow statement, Bank statement) in compare of previous years data
• Through the spread sheet we conduct trend analysis to forecasting and make Budget for upcoming years
• Work on some Accounting software to make financials of different companies
• Work on PD,LGD and Expected credit losses

Adhoc Project :- Treasury Booking advisory (Operational risk support)

• Update Borrower information data up to date to make the limits
• Support operational Activity on daily basis with given SLA
• Conduct Compliance check
• Enter Daily TBA entry and provide support to Credit Manager and Regional Manager
• Managing the project single handed
• Good knowledge of IFRS 9 and CECL

• Maintained checklists of required documentation and open issues affecting closings.
• Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
• Coordinated with US based Home Advisor and lenders to set up loans for funding and completed final authorizations on morning of closings.
• Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
• Verified government-backed loans followed strict agency guidelines.
• Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
• Handled as many as 150+ closing files each month by effectively organizing, multitasking and prioritizing closing work.
• Produced and submitted completed loan packages to title and escrow professionals.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Conducted pre-funding and funding activities for over 160+ monthly applications.
• Verified credit histories, personal references and employment backgrounds for each applicant.
• Reviewed audit and monitoring reports related to consumer and client activities.
• Performed deep audits of Closing Documents to assess compliance with US standards.
• Helped create training programs to handle system-wide issues and maintain compliance.
• Conducted due diligence on potential investments and presented findings to investors.
• Evaluated performance of existing investments and adjusted accordingly.

• Learned new skills and applied to daily tasks to improve efficiency and productivity.
• Prepared variety of different written communications, reports and documents.
• Collaborated with team to optimize workflow and achieve objectives.
• Produced high-quality communications for internal and external use.
• Collected, arranged and input information into database system.