RANJITHA K
Bangalore
Summary
Dynamic Credit Underwriter at Mashreq Bank with expertise in loan evaluation and credit risk analysis. Proven track record in ensuring regulatory compliance and optimizing loan decision-making processes. Skilled in data analysis and time management, consistently enhancing operational efficiency while handling complex loan applications. Committed to delivering results and driving process improvements.
Overview
6
6
years of professional experience
Work History
Credit Underwriter
Mashreq Global Networks [ Mashreq Bank ]
Bangalore
01.2022 - Current
- Evaluated loan applications and associated documents.
- Conduct comprehensive analysis of borrower credit risk.
- Ensuring compliance with lending guidelines and regulations, risk assessment, and loan decisioning.
- Creating loan conditions, maintaining clear and detailed records.
- Communication with other stakeholders.
- Handling complex or high-risk loan applications, and ensuring timeliness and efficiency.
- Collaboration with mortgage servicers (post-closing).
- Manual income calculation, evaluating tax returns, and finding red flags.
- Due diligence on appraisal, and the ability to recognize red flags and ineligible properties.
- I worked on GSE underwriting guidelines and automated underwriting engines (DU/LP).
- Knowledge in Commercial Real Estate.
- Continuously contribute to process improvement.t
Invoice Processor
SAP Concur Technologies
Bangalore
08.2019 - 12.2021
- Operating as a finance specialist will involve building skills for a more specialized finance service.
- Invoice verification and matching.
- Reviewing invoices for accuracy, handling invoice discrepancies.
- Optimized data entry processes within the accounting system through effective management of invoice approvals.
- Payment processing, record keeping, and filing.
- Reconciliation and reporting, handling vendor relationships.
- Ensuring compliance and internal controls, handling special invoice scenarios.
- Conducted audits.
Travel & Expense Audit
SAP Concur Technologies
Bangalore
08.2019 - 12.2021
- Managing the Finance Assistant role,
- Monitoring the stakeholder deliverables and SLAs,
- Coordinate with the Senior Commercial Analyst for reporting requirements.
- Act as the point of contact for Edrington's Finance and Audit teams.
- Support external auditors with the financial audit.
- GST and corporation tax calculations,
- Delivering the monthly closing of books, including the appropriate checks and controls.
- Forecasting overheads and the corporate financial reporting pack,
- Providing training on policies and procedures, and testing for any weaknesses.
- Coordinating the year-end audit with external auditors, as well as any internal audits that may be required.
Education
Master of Computer Applications - Computer Science
Bangalore University
Bangalore07-2019
Bachelor of Science - Computational Science
SSCASC
Tumkuru11-2016
Some College (No Degree) - PCMB
Mahathma Gandhi School
KunigalSkills
- Loan evaluation, financial analysis
- Credit risk analysis, risk assessment, and management
- Regulatory compliance
- Loan decision-making
- Income verification
- Data analysis, decision-making skills
- Knowledge of credit products
- Time management and organization
- Industry-specific knowledge
Affiliations
- Membership in industry-related associations or groups.
- Community service or charity involvement that showcases your social responsibility or specific skills.
- Managed a team of 12 volunteers, improving efficiency by 30%
- Organized team practices and strategy sessions, improving team performance by 20%
Accomplishments
- Recognized for exceeding annual sales target by 40% and leading a team.
- Awarded for exceptional performance and leadership
Languages
English
First Language
Timeline
Credit Underwriter
Mashreq Global Networks [ Mashreq Bank ]
01.2022 - Current
Invoice Processor
SAP Concur Technologies
08.2019 - 12.2021
Travel & Expense Audit
SAP Concur Technologies
08.2019 - 12.2021
Master of Computer Applications - Computer Science
Bangalore University
Bachelor of Science - Computational Science
SSCASC
Some College (No Degree) - PCMB
Mahathma Gandhi School
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