P Gopal

• Reviewed and verified borrower income documents (paystubs, tax returns, W-2s, bank statements) to assess their ability to repay the loan (Capacity).
• Calculated income based on employment type (salaried, self-employed, hourly) following standard guidelines.
• Cross-checked income details against submitted documents and credit reports to ensure consistency and compliance.
• Ensured accurate documentation and flagged discrepancies or missing information to the underwriting team.
• Maintained compliance with lending regulations and internal income verification procedures.

• Assess loan applications where the customer is looking to purchase a property, refinance existing loans, or refinance from other financial institutions.
• Assess credit reports, focusing on repayment history, credit scores, and outstanding debts to determine the borrower's creditworthiness and repayment capacity.
• Verify income sources, analyze employment stability, and calculate the debt-to income (DTI) ratio to ensure the borrower's ability to repay the loan .
• Verify the valuation report, check risk ratings, and calculate the Loan-to-Value (LTV) ratio to ensure the property meets lending requirements
• Review assets, savings, gifts, and deposits to confirm the borrower has sufficient funds for the down payment and financial stability.
• Analyze Letters of Explanation (LOX) to gain insights into borrower circumstances and provide a holistic underwriting perspective.
• Well-versed in application like OBP, AOL, SOL, MVS Production, Lynx Star link.

Operational Representative March 2020 to July 2022 (Loans Admin)

• Switch loan products between fixed and variable as per customer request.
• Change loan category between investment and owner-occupied.
• Process outstanding transfers as per 600 Dairy request.
• Set up BSB accounts and update repayment frequencies for direct debits.
• Create and activate loan packages based on customer requirements.
• Activate internet banking (IVR) for loans as per customer request.
• Process redraw requests to withdraw extra repayments from the loan account.
• Manage and maintain the offset account, ensuring proper linkage with the loan.
• Download and send duplicate loan statements from Starlink to the customer's mailing address.

• Collected daily KM (kilometer) usage data from supervisors for all vehicles and accurately entered it into the internal system.
• Tracked the number of trips made by school and office buses on a daily basis.
• Prepared monthly summary reports using MS Excel, including vehicle utilization, fuel usage, and trip counts.
• Ensured data accuracy and consistency in daily and monthly records.
• Assisted the operations team in monitoring vehicle schedules and performance trends.