Indra Kumar
Jaipur
Summary
Ambitious, detail-oriented Mortgage Analyst versed in balancing priorities and meeting deadlines. Adapt quickly to challenges and changing environment. Currently looking for relevant role in your renowned organization.
Overview
7
7
years of professional experience
Work History
SR MORTGAGE UNDERWRITER
Genpact India Pty Ltd.
Jaipur
06.2021 - Current
- Reviews and verify Home Loan Applications and supporting documents
- Determines credit worthiness and risk associated with borrower based on credit profile
- Perform CIP (Customer's Identification Program) for KYC and need to do verification with supporting documents
- Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience
- Responsible for the analysis of submitted files for, repayment capacity, capital/assets, character, collateral and property condition
- Performs Credit and Income Analysis, Risk Assessment and Loan to Value Ratios, Debt to Income Ratios as well as Compliance and Quality Control Reviews
- Evaluates credit applications to assess the loan package for any fraudulent activity, and provides feedback to the Processor and Originators to improve the quality of the loan files
- Making loan eligibility decisions while ensuring compliance with regulatory standards
- Documenting and effectively communicating reasons for the approval/rejection of loans
- Ensuring that SLAs are achieved on a consistent basis
CUSTOMER SERVICE EXECUTIVE
Teleperformance
Jaipur
04.2018 - 11.2021
- Provided prompt and courteous service to customers via phone, email, and chat.
- Processed orders accurately and efficiently in accordance with company policies.
- Developed strong relationships with customers by providing knowledgeable advice on products and services.
- Resolved customer complaints in a timely manner while maintaining professional attitude.
- Maintained accurate records of customer interactions, transactions and comments in the database system.
- Performed follow-up calls to customers regarding their inquiries or orders.
- Ensured that all customer queries were handled quickly and professionally.
- Tracked customer complaints and followed up to ensure resolution was achieved.
- Monitored customer feedback regularly to identify areas for improvement in services offered.
Education
BBA - Business Administration
Chatrapati Shahu Ji Maharaj University
Kanpur, Uttar Pradesh09-2016
Skills
- Mortgage Underwriting
- Due Diligence
- KYC
- Income Verification
- Credit Analysis
- Risk Analysis & Income Calculation
- Project Management
- Financial Statement Analysis
- Quality control measures
Personal Information
Nationality: Indian
Timeline
SR MORTGAGE UNDERWRITER
Genpact India Pty Ltd.
06.2021 - Current
CUSTOMER SERVICE EXECUTIVE
Teleperformance
04.2018 - 11.2021
BBA - Business Administration
Chatrapati Shahu Ji Maharaj University