PRIYANKA GAUTAM
Mortgage Underwriting & Credit Risk Professional (Open To Remote / US & Australian Mortgage Roles)
Indore
Summary
Credit and mortgage underwriting professional with 4+ years of experience in housing finance, income assessment, and credit risk evaluation. Experienced in end-to-end loan appraisal including borrower income analysis (salaried & self-employed), FOIR/LTV calculation, bank statement scrutiny, and compliance verification. Currently an FRM Part I candidate to strengthen risk management capabilities. Seeking transition into US/Australian mortgage underwriting and international credit risk roles.
Overview
6
6
years of professional experience
2
2
Certifications
2
2
Languages
Work History
Sr. Branch Credit Manager-Retail & Housing Finance
Svatantra Micro Housing Finance Cooperation Ltd
09.2021 - Current
- Evaluated retail and housing loan applications up to Rs. 35 lakhs.
- Conduct borrower personal discussions (PD) to assess creditworthiness and repayment intent.
- Assessed income for salaried and self-employed applicants.
- Calculated FOIR (aligned with the DTI concept), LTV, and repayment capacity.
- Analyzed bank statements to assess cash flow stability, transaction behavior, and potential red flags.
- Reviewed CIBIL reports and repayment history.
- Ensured policy compliance and documentation accuracy.
- Coordinated with sales and operations for smooth disbursements.
- Lead and mentor credit officers to maintain underwriting quality and turnaround time standards.
- Monitoring portfolio performance and branch delinquency levels.
- Managing credit MIS, TAT metrics, and portfolio quality controls.
Privilege Banker |
ICICI Bank
04.2021 - 09.2021
- Managed privilege clients and cross-sold financial products.
- Achieved CASA and revenue targets.
- Strengthened client relationships and portfolio growth.
Business Development Coordinator |
Puramate India Pvt. Ltd
08.2020 - 04.2021
- Managed the entire distribution network of the East region.
- Data Collection of FMCG Distributors and Super Stockists.
- Conducted field research and worked with distributors to improve market penetration.
Education
MBA - Finance and Marketing
IBMR, IPS Academy
Indore, MP 04.2001 - 01.2020
Bachelor of Science - Biotechnology
Sanghvi Institute of Management & Science
Indore, MP06-2018
Skills
Mortgage Underwriting (Housing Finance)
Income Assessment (Salaried & Self-Employed)
FOIR / DTI Analysis
Loan-to-Value (LTV) Calculation
Credit Bureau Analysis
Bank Statement Review & Red Flag Analysis
Risk Assessment & Decisioning
Legal & Technical File Evaluation
Compliance & Document Review
Portfolio Risk Monitoring
Excel (VLOOKUP, IF, basic formulas)
Certification
Part I Candidate: FRM (Financial Risk Manager)
Timeline
Sr. Branch Credit Manager-Retail & Housing Finance
Svatantra Micro Housing Finance Cooperation Ltd
09.2021 - Current
Privilege Banker |
ICICI Bank
04.2021 - 09.2021
Business Development Coordinator |
Puramate India Pvt. Ltd
08.2020 - 04.2021
MBA - Finance and Marketing
IBMR, IPS Academy
04.2001 - 01.2020
Bachelor of Science - Biotechnology
Sanghvi Institute of Management & Science