Kalyan Rao Bale

• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process for both consumer and commercial.
• Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
• Determined and documented loan conditions and communicated requirements and decisions.
• Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
• Evaluated applications to determine insurance coverage and appropriate risk classifications.

• Ensured adherence to company policies and procedures during customer interactions, maintaining a high level of compliance within the call center.
• Management gave opportunity to few selected candidates to get cross trained in quality process for six months.
• Reviewed internal systems and organized training plans to address areas in need of improvement.
• Evaluated current processes to develop improvement plans.

• Participated in ongoing professional development opportunities to remain current on best practices within the commercial underwriting field.
• Maximized revenue generation by detecting fraudulent activity and implementing preventative measures accordingly
• Played key role to maintain good relations with store like Walmart, Lowe's, Sam's club and Care credit.
• Championed a culture of continuous improvement by regularly reviewing workflows and implementing innovative solutions to enhance overall performance.
• Assisted in the development of underwriting guidelines, providing clear direction for assessing commercial risks.

Evaluates high-risk credit application using online data verification tools and internal databases
Conduct detail research on financial history of individuals and business by assessing information provided by potential US and Canadian Credit bureaus to determine their Credit Worthiness.
Assisted in the development of consumer lending policies and procedures by actively participating in internal committees and working groups.
Maintained compliance with federal regulations and company policies throughout the consumer underwriting process, reducing potential legal issues.

Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
Mentored new hires by budding up with them on call and held responsibility as floor lead.
Achieved award for generating highest number of VOC samples in and also coached many new hires.
Developed strong product knowledge to provide informed recommendations based on individual customer needs.