Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Interests
Work Availability
Timeline
BusinessAnalyst
Subhendu  Nath

Subhendu Nath

Analyst
Kolkata

Summary

Expert Analyst versed in US Mortgage Loan Origination, Credit Risk analysis & Underwriting assistance area. Offering 5+ years of experience in organizing, modeling and analysing data to assist in loan decision and timely closure of mortgage applications. Efficient, decisive, results-oriented analyst skillful in managing and breaking down large volumes of information. Proactive at heading off issues in operations, workflow and production by uncovering trends affecting business success.

Also experienced as a Team Leader in directing activities in highly competitive and tight deadlines setting to meet all the service level agreement with the US clients.

Talented at developing strategies, setting goals and training employees. Confident and decisive when communicating goals and vision to succeed. First-class problem solver with excellent interpersonal skills.

Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.Excellent reputation for resolving problems and improving customer satisfaction.

Ready to help team achieve company goals, organized and dependable professional successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

5
5
years of professional experience
5
5
years of post-secondary education
1
1
Certification

Work History

Analyst

XL Dynamics India Pvt Ltd
Navi Mumbai
10.2017 - Current

Reviewing loan files according to the agency guidelines (FHA, VA, Fannie and Freddie, USDA, Non Conforming, Non QM).

Calculate and analyze multitudes of loan decision parameters LTV/CLTV/HCLTV/DTI

Verify and analyze complex financial statements, credit reports, mortgage statements, asset statements as well as personal and business income tax returns.

Analyze Appraisal report and collateral offered in the loan file to determine acceptability and calculate appropriate LTV ratios for decisions

Review the required conditions to approve loan and communicate requirements to appropriate parties.

Review and analyze compliance related documents. Verifying all the state and federal guidelines for loan compliance.

Education

B.Tech & M.Tech Integrated - Mechanical Engineering

Kalinga Institute of Industrial Technology (KIIT)
Bhubaneshwar
07.2011 - 05.2016

Skills

Problem-Solving

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Accomplishments

  • Supervised team of 30+ staff members.
  • Collaborated with team of 50+ in the development of FHA Loan Review process.
  • Achieved clients appreciation by completing tight deadline in loan approval & closure with accuracy and efficiency.
  • Documented and resolved team efficiency and loan review which led to meeting SLAs (Service level agreement) and improving ETA of loan review tasks.

Certification

Credit Risk Analysis and Underwriting process

Interests

Financial services

Team development

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Credit Risk Analysis and Underwriting process

10-2019

Analyst

XL Dynamics India Pvt Ltd
10.2017 - Current

B.Tech & M.Tech Integrated - Mechanical Engineering

Kalinga Institute of Industrial Technology (KIIT)
07.2011 - 05.2016
Subhendu NathAnalyst