S SRIVIDYA
Summary
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over [10+] years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
12
12
years of professional experience
Work History
Mortgage Loan Officer
Unity Small Finance Bank LTD
HYDERABAD
03.2023 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained different types of loans pertaining to client situations.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Checked loan documents for accuracy prior to closing.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Monitored pipelines to track and log status of loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Processed loan applications and monitored progress from start to finish.
- Proactively identified solutions for customers experiencing credit issues.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Explained very technical financial information to applicants in easy to understand language.
- Assisted customers with completing loan applications and other paperwork.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Loan Officer
AXIS BANK LTD
HYDERABAD
10.2021 - 02.2023
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Collaborated with other departments to promptly process loan applications.
- Examined customer loan applications for loan approvals and denials.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Utilized risk management strategies to attain high loan approval rates.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
Mortgage Loan Coordinator
HDFC Sales PVT LTD
HYDERABAD
10.2018 - 11.2021
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Checked loan documents for accuracy prior to closing.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Reviewed loan files and updated to match current standards.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
Loan Advisor
Vayu Putra Solutions
09.2016 - 10.2018
- Assisted customers with completing loan applications and other paperwork.
- Developed and maintained relationships with customers, lenders and other third parties.
- Negotiated loan terms and conditions with customers to secure best deal.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Monitored pipelines to track and log status of loans.
Sales Executive
KMR Software Services Pvt Ltd
11.2013 - 08.2016
- KMR Software Services offers a comprehensive on-demand training program for corporates using online and classroomtraining methodologies
- This program comes with online tools to track learners, manage learning process, administercontinuous assessments and provide anytime-anywhere learning access
- Chief Tasks:
- Responsible for convincing customers for online classes and explaining the benefits of the same
- Follow up with the students/customers and trainers for the suitable time and arranging online classes
- Responsible to monitor the online classes and collecting feedback from students and submitting the same tomanagement for the business improvement
- Ensured students satisfaction
- Daily updates to Management.
Sales Executive
HDB Financial Services
08.2011 - 10.2013
- Sourcing personal loan business
- Explaining customer regarding personal loan product and disbursement details
- Regular follow up with customers for new client references
- Completing the monthly logins and disbursement targets
- Providing the information to the customer for the documentation at branch
- Explaining customers about Personal Loan details and benefits and to clarify all the queries
- Collect all the documents with required details and start loan process
- Follow up with DIP team & higher management regarding loan status
- Coordinating with managers regarding loan approvals
- Taking ownership and responsibility till the loan gets disbursed
- Coordinating with credit team for sanction
- Coordinating operations team for release the loan amount.
Education
Bachelor of Technology - Engineering Technology
NALANDA INSTITUTE OF ENGINEERING & TECHNOLOGY
GUNTUR03.2008
Skills
- Sales Development
- Document Analysis
- Loan Origination
- Networking Abilities
- Computer Proficiency
- Credit Evaluation
- Underwriting Knowledge
- Loan Processing Coordination
- Loan File Maintenance
- Application Review
- Credit File Updating
- Complaint Handling
- Application Verification
Timeline
Mortgage Loan Officer
Unity Small Finance Bank LTD
03.2023 - Current
Loan Officer
AXIS BANK LTD
10.2021 - 02.2023
Mortgage Loan Coordinator
HDFC Sales PVT LTD
10.2018 - 11.2021
Loan Advisor
Vayu Putra Solutions
09.2016 - 10.2018
Sales Executive
KMR Software Services Pvt Ltd
11.2013 - 08.2016
Sales Executive
HDB Financial Services
08.2011 - 10.2013
Bachelor of Technology - Engineering Technology
NALANDA INSTITUTE OF ENGINEERING & TECHNOLOGY