Pavithra Krishnakumar Credit Assessor - Mortgage

Promoted as senior credit assessor authorized to assess the secured loan requests with Total Mortgage Lending of AUD $2.25 million. Reviewing purpose extended to lend Construction applications and Self-employed customers along with considering cases under policy exception within my CAD

Key Contribution & Results:

• Trained a 6 - member team in assessing creditworthiness of PAYG customers, handling inbound and outbound calls especially cold calls.
• Guided PWC contract employees as " Call buddy" for 3 months to improve customer experience.
• Hold the authority to sign off deals which falls under intent of meeting policy but not within policy of 15 Credit verification officers, which leads to the contribution of 65% of team's output.
• Contributed 23.5% of Team's "First touch approvals" of applications in the last FY 2022 -23 which is the second highest contribution among the department.
• Known for handling escalations and decision challenges within HLA department.
• Turned 94.6% of decision challenges in to positive outcome in last FY 2022-23, recognized for the same among internal and external stakeholders.
• Recognized for the outstanding contribution (Individual) at the "Year End Recognition 2022" for exceptional Customer experience.

Credit assessment officer tasked with meeting the responsible lending obligations of the National Consumer Credit Protection Act 2009 (NCCP Act). The NCCP Act applies to credit products that are regulated under the consumer credit regime—that is, products provided to individuals (referred to as ‘consumers') for personal, domestic and household purposes or for the purchase or improvement of residential investment property. Purpose restricted to only Purchase of property for PAYG customers.

Under the responsible lending obligations, my responsibilities are to:

1. Conduct reasonable inquiries about the consumer's requirements and objectives.

2. Make reasonable inquiries about the customer's financial situation;

3. Take reasonable steps to verify the consumer's financial situation; and

4. Make an assessment about whether the proposed credit contract or consumer lease is ‘not unsuitable' for the consumer (based on the inquiries and information obtained).

5. Document all the assessment notes in Retail Lending System for future reference.

Key Contribution & Results:

• Consistently decision 3.5 applications per 8 hours
• Maintained an outstanding quality score of 100% throughout the tenure and received appreciations and recognized at the " Year End Recognition 2021" for my efforts to maintain such a high standard.
• Part of Amber- Bravo project, in developing and implementing phase, The objective of the project is to achieve business efficiency by providing faster assessment processes and minimize risk by providing more consistent and accurate credit decisions.
• Trained a 15 member team on Income policies under the training program "Assessing ability to repay"

• Attended a training program to understand the overall functioning of the financial wing of a government organization.
• Verified and analyzed the Budget Estimation accounts and enhanced compensation.
• Understood the procedure of fixation of final costs for land and development.
• Conducted a market survey among residents of Chennai on their attitude towards TNHB schemes
• Organized due diligence in preparation for sale of business unit.
• Proposed strategies to clear the existing unsold inventories

• Trained in fundamentals of International Forex markets in live environment
• Learned to use technical analysis tools to understand the equity market's efficiency.
• Traded in Demo account (Forex market).
• Monitored and advised the portfolio of real time customers under the supervision of experienced portfolio managers.
• Represented and won the "Stockathon 2K19" competition conducted by the FBI Chennai, as a team.