NEELAM Kandari

-Work as an Application Manager in Unsecured Lending, handling personal loan and credit card applications. - Review and verify customer applications for accuracy and compliance.
- Manually calculate income, check liabilities and expenses, and validate financial data.
- Assess additional income sources such as rental income, superannuation, and self-employment earnings.
- Review supporting documents including pay slips, superannuation documents, NOAs, credit reports, rental Agreements and Individual Tax Returns.
agreements, and individual tax returns.
- Connecting with customers and reaching out to them in the event of any discrepancy regarding documents
or information and following up with customers.

Guided customers in real-time through the upload process for missing documents.

• Developed streamlined processes to enhance operational efficiency in client projects.
• Analyzed data trends to identify process improvement opportunities across departments.
• Collaborated with cross-functional teams to implement best practices and standard procedures.

• Managed review requests raised by auditors, ensuring timely responses and compliance.
• Provided feedback to auditors on nonconformities to enhance audit processes.
• Delivered real time assistance to L1 / L2 analysts.
• Performing deep dive analysis on errors and preparing detailed root cause analysis for customer reviews.
• Determined training needs based on audit findings and analysis of recurring queries.
• Perform data analysis and produce various reports on productivity and quality.
• Regularly engage with customers to contribute and participate in various forums such as new process update, Error discussions and Performance reviews.
• Conducted training sessions for new joiners in the onboarding process.
• Verified accuracy of loan documents according to customer guidelines and regulatory requirements for a US based financial service firm.

• Audited loan applications for two major US clients in financial sector, ensuring compliance and accuracy in documentation.
• Review all the information updated in loan applications captured by frontline analyst against the documents such as Note, Security Instrument, AUS, Appraisal, Credit Report, Closing disclosure, URLA, etc.
• Verified completeness and accuracy of foreclosure documentation for US-based lender, supporting timely decision-making.
• Review the information against the official documents.
• Managed the queue and allocated work to maximize productivity.
• Trained new joiners during the onboarding process.
• Compiled weekly dashboards and daily reports on productivity and overall performance, providing insights for management review.