Pradnya Gaikwad
Mumbai
Summary
Dynamic Senior Analyst with extensive experience at Barclays Bank, excelling in credit analysis and risk assessment. Proven ability to enhance loan approval processes through meticulous evaluation and strong customer relations. Recognized for identifying fraud risks and delivering quality assurance, ensuring compliance and optimal outcomes in high-pressure environments.
Pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements.
Overview
6
6
years of professional experience
Work History
Senior Analyst
Barclays Bank Private Limited
Pune
06.2021 - Current
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Verified employment history and income of applicants.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Collaborated with cross-functional teams on special projects involving underwriting initiatives.
- Developed relationships with external partners such as real estate agents and lenders.
- Maintained compliance with company and regulatory policies.
- Identified issues and solutions to eliminate backlog and maximize workflows.
- Helped office personnel with errands, paperwork and data entry.
- Documented, researched, and resolved customer service issues.
- Coordinated communication between different departments involved in underwriting process to ensure efficient workflow.
- Trained junior underwriters in best practices and assisted them in making more accurate assessments of risk factors.
- Implemented new procedures and guidelines aimed at reducing company exposure to high-risk loans or policies.
- Identified potential fraud risks through careful examination of documentation and verification processes.
- Monitored pipeline reports to ensure prompt processing of all assigned applications within designated timeframes.
- Analyzed applicants' financial documents, including bank statements, tax returns, and pay stubs.
- Provided clear explanations for declined applications, while offering suggestions for improvement or alternative options if available.
- Conferred with underwriting management to discuss complex cases or exceptions to policy guidelines.
- Reviewed loan applications and evaluated creditworthiness of borrowers
Senior Analyst
TELEPERFOMANCE PRVIATE LIMITED
Mumbai
09.2019 - 06.2021
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Analyzed applicants' financial status, credit history, and property evaluations to determine risk levels.
- Resolved customer complaints quickly, employing knowledge of loan products, bank policies, and customer service strategies.
- Provided clear explanations for declined applications, while offering suggestions for improvement or alternative options if available.
Education
Some College (No Degree) - Electrical Engineering
Vidyalankar Institute of Technology
Mumbai 04-2015
Higher Secondary Certificate - Science
Sathaye College of Science And Commerce
Mumbai 02-2013
Secondary school certificate -
St. Aloysius High School
Mumbai 03-2011
Skills
- Creditworthiness Determination
- Customer Relations
- Complaint Handling
- Teamwork and Collaborations
- Analytical and Critical Thinking
- Loan application analysis
- Risk assessment
- Communication skills
- Underwriting calculations
- Credit analysis
- Underwriting guidelines
- Loan approval & denial
- Risk management
- Property appraisal
Languages
English
Proficient
C2
Marathi
Proficient
C2
Timeline
Senior Analyst
Barclays Bank Private Limited
06.2021 - Current
Senior Analyst
TELEPERFOMANCE PRVIATE LIMITED
09.2019 - 06.2021
Some College (No Degree) - Electrical Engineering
Vidyalankar Institute of Technology
Higher Secondary Certificate - Science
Sathaye College of Science And Commerce
Secondary school certificate -
St. Aloysius High School