Ramya A
Bangalore
Summary
To use my experience and knowledge for delivering all the commitments to client and thereby contributing to objectives of the organization through acquired knowledge, sincerity and hard work Analytical Credit Underwriter with proven ability to process loan applications quickly and accurately. Specialize in risk assessment, financial analysis, and regulatory compliance. Committed to maintaining up-to-date knowledge of banking policies and economic trends that impact credit lending.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Credit Underwriter
Finzy
Bengaluru
06.2023 - Current
- Analyzing financial data related to loan requests, evaluating loan documents for accuracy and completeness, performing risk assessments on potential loan recipients, recording loan denials, monitoring and reporting noncompliance with loan covenants, maintaining client relationships, assisting with technical underwriting issues, reviewing loan documentation reports, and developing and implementing underwriting policies and procedures.
Credit Process Associate
Bluebear Technology Pvt Ltd
03.2022 - 06.2023
- Supporting the credit manager with administrative tasks, reviewing applications for approval or denial, processing credit card applications, and obtaining credit reports from credit bureaus.
Risk Control Unit Executive
Covert Management Services Pvt Ltd
08.2018 - 03.2022
- Working in the risk control unit, with responsibilities including quantitative analysis, proficiency in MS Office, attention to detail, understanding financial statements, and checking product-wise schemes.
Sales Executive
Enser Communication
11.2016 - 02.2018
- Securing sales by reaching out to clients through calls, correspondence, or face-to-face interactions, offering products and services, and assisting customers.
Education
Department of Technical Education (DTE Computer Science)
Karnataka Pre-University education
Karnataka Secondary Education Examination Board
Skills
- Credit & Risk Analysis
- CIBIL Check and Credit Underwriting
- Strong numeracy, analytical and strategy skills
- Income Document Verification Property Document check
- Identity Check/Reference check
- Fraud Risk Analytics
Certification
- Best performer for the Aug-22 as credit process associate
- Achieve Best quality Reporter in MIS Reporting
- Achieve Domestic Convention in sales career
Address
35, 30th Cross, 10th Main Rd, near kaveri nagar, Bengaluru, Karnataka, 560070, #2-66, Belandoor village Kaniyoor post Puttur, Dakshina Kannada, Karnataka
Timeline
Credit Underwriter
Finzy
06.2023 - Current
Credit Process Associate
Bluebear Technology Pvt Ltd
03.2022 - 06.2023
Risk Control Unit Executive
Covert Management Services Pvt Ltd
08.2018 - 03.2022
Sales Executive
Enser Communication
11.2016 - 02.2018
Department of Technical Education (DTE Computer Science)
Karnataka Pre-University education
Karnataka Secondary Education Examination Board
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