SAYANTANI CHOWDHURY
Howrah
Summary
I have over 12 years of experience in the global Business Process Outsourcing (BPO) sector, specializing in the mortgage ecosystem.
From September’2012 to October’2024, I was employed at Tata Consultancy Services Ltd., where I joined as Fresher and became Business Analyst in USA Home Insurance Process and last designation was Senior Business Analyst (as Subject Matter Expert-SME) in residential mortgage underwriting. During this time, I provided expert initial-underwriting services to U.S.-based mortgage clients, ensuring compliance with industry standards and client-specific requirements.
Overview
12
12
years of professional experience
Work History
Senior Business Process Analyst
Tata Consultancy Services Ltd.
Kolkata
01.2018 - 10.2024
- Responsibilities: Credit Underwriting
- Review of Credit Report including “debt to income” ratio calculations
- Review of Income Docs / calculations of income(Wage earner, Self Employed, Sole Proprietor, S.Corp, Partnership,Non-taxable) and upload income worksheet to LOS
- Review of property purchase contract with counter offer
- Calculatting LTV, CLTV, HCLTV
- Review of Asset – All Bank statements and calculations of closing funds & reserves if required
- Review AUS Findings
- Loan Conditions/ Findings (Discrepancies)
Business Analyst
Tata Consultancy Services Ltd.
Kolkata
09.2012 - 12.2017
- Home insurance process as Business analyst
- Dealing with document verification for Hazard Insurance process in US Process
- Cheque depositing and Funds Clearing
Education
Bachelor of Business Administration -
West Bengal University of Technology
01.2012
Higher Secondary -
West Bengal Board of Higher Secondary Education
01.2008
Skills
- Application Review (Fannie Mae form #1003)
- Borrower Identification
- Credit History
- Income
- Asset
- Collateral (Partial review of Appraisal & Title Prelim if available)
- Credit Conclusion (Conditions File Comments)
- Business Writing Skills
- Presentation Skills
- Effective Communication skills
- Advance Excel
- Team Building and share knowledge
Objectives
- Looking for an organization with learning and utilizing scope of my related profile skills and experience to improve more skills skills and to grow differet organization skills
Projects
Home Insurance Document Verification, Period: Sep’2012 - March’2018, Roles & Responsibilities: Associate Processor to Subject Matter Expert., Performing workability checks of documents, managing escalation /clarification (i.e., addressing technical queries, discrepancies within team)., Workflow coordination, queue management & client communication. Maintaining the SLAs as required by the Client’s timeline & quality., Allocating of received cases to processor and performing other control related activities., Effectively handling business on a different shift basis & capable to work under pressure and work as part of the team., Sharing the process update with team by conducting team huddle and doubt clearing discussion on weekly basis.
Accomplishments
- Received appreciation from the Unit Manager on various occasions for the accuracy and timeliness maintained in delivering the SLAs within deadline.
- Received appreciation from the line managers for effectively rendering control activities to release the fund for USA Clients for home repairing.
- Received direct client appreciation to get the transaction process on utmost priority and release the funds.
- Actively involved in providing innovative and effective ideas in the team and those are applied.
Languages
English
Upper Intermediate
B2
Hindi
Beginner
A1
Bengali
Beginner
A1
PERSONAL PROFILE
- DOB :23-Dec-1989
- Marital Status : Single
- Language Known : Hindi, Bengali, English
- Current Location. : West Bengal
- Mobile# :7044712924
- Personal email Id. : chowdhury.sayantani01@gmail.com
Hobbies
- Dancing is passion and Certified with Bharatnattyam classical dance (2012)
- Art-Craft and Painting is current passionate hobby
Timeline
Senior Business Process Analyst
Tata Consultancy Services Ltd.
01.2018 - 10.2024
Business Analyst
Tata Consultancy Services Ltd.
09.2012 - 12.2017
Bachelor of Business Administration -
West Bengal University of Technology
Higher Secondary -
West Bengal Board of Higher Secondary Education