Jhanvi I B
Mortgage & Credit Operations Analyst – Loan Processing / Pre-Underwriting
Summary
Banking Operations and Credit Risk Analyst with experience in mortgage operations, loan pre-assessment, borrower financial analysis, liquidity evaluation, documentation review, and regulatory compliance. Skilled in assessing creditworthiness, verifying financial records, identifying risk exposure, and supporting underwriting decisions for U.S. residential and commercial lending portfolios. Proven ability to manage high-volume loan files with strong accuracy, faster turnaround times, and audit-ready documentation.
Seeking roles in Operational Analyst, Banking Operations, Credit Review, and Loan Pre-Qualification.
Overview
3
3
years of professional experience
3
3
years of post-secondary education
Work History
Mortgage loan processor
RareVS
Bengaluru, Karnataka
2025.06 - Current
- Conduct end-to-end pre-assessment and processing of 25–35+ U.S. mortgage loan files weekly prior to underwriting.
• Evaluate borrower eligibility through income analysis, liquidity assessment, asset verification, and repayment capacity checks.
• Review financial documents including bank statements, tax returns, credit reports, guarantor profiles, and entity structures.
• Validate title, insurance, appraisal, and property documents to ensure compliance with investor and regulatory standards.
• Identify credit risks, inconsistencies, and documentation gaps; recommend corrective actions before submission to underwriting.
• Maintain 98–99% accuracy and reduce file turnaround time by 20% through structured review checklists.
• Prepare audit-ready loan files while handling sensitive financial and KYC data.
• Collaborate with credit, underwriting, and closing teams to expedite approvals and minimize funding delays.
Skip Tracing & Financial Investigation Specialist
RareVS Consultancy
Bengaluru, Karnataka
2025.03 - 2025.06
- Performed investigative research to verify borrower/developer credibility and funding eligibility.
• Conducted background checks, due diligence, and financial information sourcing using public databases and records.
• Located hard-to-trace stakeholders to support loan recovery and credit decisions.
• Prepared structured risk and verification reports to assist lending teams.
• Improved lead accuracy by 30% through systematic validation and cross-checking methods
Omnisport Leader – Operations & Customer Service
Decathlon Sports
Mysore, Karnataka
2022.11 - 2023.05
- Managed daily store operations, customer queries, and issue resolution with 90%+ satisfaction scores.
• Improved team coordination and reduced resolution time by 20%.
• Increased sales by 15% through product knowledge and consultative recommendations.
• Oversaw inventory control and minimized stockouts by 20%.
Business development intern
Acube Consulting
Mysore, Karnataka
2022.10 - 2022.10
- Supported outreach, client coordination, and partner relationship management.
• Assisted with reporting, documentation, and operational support activities.
Education
Bachelor of Commerce - Commerce
Mysore Institute of Commerce and Arts | 2020 – 2023 |
2020.09 - 2023.11
EBAC - Commerce
Lion’s Composite PU College
KodaguSkills
Workflow optimization
Underwriting guidelines familiarity
Leadership in quality assurance
Documentation expertise
Languages
English
Fluent
Kannada
Fluent
Hindi
Fluent
French
Beginner
Timeline
Mortgage loan processor
RareVS
2025.06 - Current
Skip Tracing & Financial Investigation Specialist
RareVS Consultancy
2025.03 - 2025.06
Omnisport Leader – Operations & Customer Service
Decathlon Sports
2022.11 - 2023.05
Business development intern
Acube Consulting
2022.10 - 2022.10
Bachelor of Commerce - Commerce
Mysore Institute of Commerce and Arts | 2020 – 2023 |
2020.09 - 2023.11
EBAC - Commerce
Lion’s Composite PU College