SALMON VINCENT
Bengaluru
Summary
Experienced Mortgage & Commercial Banking professional with 10+ years of proven success in loan origination, credit analysis, underwriting, and client relationship management. Seeking a challenging role as a Mortgage & Commercial Banking Specialist in a reputed organization to leverage expertise in financial analysis, compliance, and process optimization.
Overview
10
10
years of professional experience
Work History
Senior Process Executive (Commercial Banking)
Tata Consultancy Services
Bengaluru
03.2021 - Current
- Assessed borrower creditworthiness and risks while ensuring compliance with operational, legal, and regulatory standards.
- Utilized Loan IQ software for credit analysis based on market trends and borrower financial data.
- Partnered with Relationship Managers for client onboarding and periodic credit reviews.
- Responded to external/internal audit comments and ensured timely resolution.
Senior Analyst
Fidelity National Financial India
Bengaluru
10.2017 - 02.2021
- Managed default loans and loan modification processes from trial to final stages.
- Reviewed borrower income, employment, appraisals, and title insurance to support underwriting.
- Evaluated financial risk and repayment ability of borrowers.
- Maintained complete and compliant loan documentation.
Senior Process Executive
Infosys BPO Ltd.
Bengaluru
07.2015 - 07.2017
- Handled inbound transfer processes including loan servicing, foreclosure, and bankruptcy.
- Updated asset evaluations and managed specialized loan queues.
- Communicated with attorneys and resolved document-related queries.
- Trained new team members and ensured quality onboarding.
Education
Bachelor of Business Administration - Computer Application
Hindustan College of Arts & Science
Coimbatore, Tamil NaduSkills
- Loan Origination & Processing
- Credit & Financial Analysis
- Underwriting & Risk Assessment
- Mortgage & Commercial Loans
- Compliance & Regulatory Knowledge
- Customer Relationship Management
- Market Trend Analysis
- Documentation Management
- Banking Software (Loan IQ)
- MS Office (Word, Excel, PowerPoint)
- Self-Motivated
- Time Management
- Analytical Thinking
- Effective Communication
- Flexible & Adaptable
- High-Pressure Performance
Accomplishments
- Achieved 100% loan approval rate by accurately analyzing borrower eligibility and mitigating risks.
- Implemented process automation to reduce errors and increase loan management efficiency.
- Built strong relationships with real estate partners, boosting referrals and market reach.
- Led training sessions for loan officers, improving onboarding and productivity.
- Successfully closed and funded significant volumes of mortgage and commercial loans.
Languages
- English
- Malayalam
- Tamil
- Kannada
Locations
- Bengaluru, Karnataka
- Cochin, Kerala
Personal Information
- Willing To Relocate: 1
- Date of Birth: 07/17/94
Timeline
Senior Process Executive (Commercial Banking)
Tata Consultancy Services
03.2021 - Current
Senior Analyst
Fidelity National Financial India
10.2017 - 02.2021
Senior Process Executive
Infosys BPO Ltd.
07.2015 - 07.2017
Bachelor of Business Administration - Computer Application
Hindustan College of Arts & Science
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