NITHYA K
Chennai
Summary
Accomplished Senior Analyst at NatWest, showcasing expertise in corporate finance and exceptional problem-solving abilities. Proven track record in enhancing investment analysis processes and leading complex loan underwriting with precision. Renowned for meticulous attention to detail and collaborative teamwork, driving significant improvements in financial management and compliance.
Overview
6
6
years of professional experience
1
1
Certification
Work History
SENIOR ANALYST
NATWEST
09.2022 - Current
- Expertise in mandatory and voluntary corporate action events and bookings, managing UK and EMEA markets.
- Ensuring all daily controls and processes are completed and signed off, including client service inquiry resolution, cash, stock breaks, and reconciling the security.
- Reviewing all corporate actions, invalid events received, and ensuring a detailed understanding of processing requirements.
- Managing exceptions arising as events flow through multiple control checks. Timely and accurate execution, and verification of all instructions received from internal partners, and global teams.
- Acting as a subject matter expert on procedural matters and being the funnel for communication with the global teams.
- Accomplished mortgage underwriter dedicated to making appropriate and fair loan lending decisions, and KYC checks.
- Evaluate, approve, and underwrite complex consumer loans, adhering to company and industry guidelines.
- Performs credit and income analysis, risk assessment, loan-to-value ratios, debt-to-income ratios, as well as compliance and quality control.
SUTHERLAND GLOBAL SERVICES
10.2020 - 05.2022
- Well knowledge in 4C's
- Calculate all types of income
- Review credit report, Asset, Appraisal, Title, Closing Disclosure etc
- Reviewing and verifying loan applications and supporting documentation
- Making loan eligibility decisions and approving or rejecting applications
- Verify application information against loan criteria guidelines and standard
- Review and analyses Credit, Income and Asset documents according to investor
- Used to verify Bankruptcy, foreclosure and charge off accounts
- Used to do income calculations of the borrower Pay stubs, Tax returns including Business returns and K1, Rental agreement along with recent rental receipt and Schedule E
- Other income like SSI, Unemployment income, Pension income, Bank statements, etc
EBNL LTD
04.2019 - 09.2019
- Process Customer Transactions
- One of a bank clerk's main duties is processing customer transactions
- Maintain Customer and Financial Data
- Support Cash Management Activities
Education
BACHELOR OF BUSINESS ADMINISTRATION -
Bharathiar University
01.2020
MASTER OF BUSINESS ADMINISTRATION -
ANNA University
01.2019
Skills
- Credit risk
- Time management
- Problem-solving
- Team player
- Attention to detail
- Investment analysis
- Industry-specific tools and knowledge
- Collaboration
- Creativity
- Corporate finance
- Capital Markets Fundamentals
- Financial management
- Investment research
- Bank reconciliation
- Financial analysis
- Profit and loss expertise
Certification
Certified Investment Banking Operations Professional, Imarticus, Chennai.
Gained in-depth knowledge of financial products, trade lifecycle, regulatory requirements, and industry-specific tools. Expertise in risk management, trade settlement, compliance, and financial markets infrastructure. Acquired proficiency in tools like Excel, and financial modeling. Understanding of trade lifecycle (pre-trade, trade execution, and post-trade settlement). Knowledge of capital markets, derivatives, and securities operations. Regulatory and compliance knowledge
Accomplishments
- wall of fame of the month
- best performer of the month
- 100% commitment toward work
Affiliations
- travelling
- phonography & videography
- learning Ukulele
- reading novels
Timeline
SENIOR ANALYST
NATWEST
09.2022 - Current
SUTHERLAND GLOBAL SERVICES
10.2020 - 05.2022
EBNL LTD
04.2019 - 09.2019
BACHELOR OF BUSINESS ADMINISTRATION -
Bharathiar University
MASTER OF BUSINESS ADMINISTRATION -
ANNA University
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