Summary
Overview
Work History
Education
Skills
Certifications And Awards
Languages
Volunteer Experience
Timeline
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SURYANARAYANAN R

SURYANARAYANAN R

Chennai

Summary

To strive for excellence, grow in an environment that will enhance my knowledge, and keep myself dynamic, visionary, and competitive with the changing scenario.

Overview

12
12
years of professional experience

Work History

Credit Analyst (Mortgage Underwriting)

Barclays Bank
Chennai
03.2023 - Current
  • Determine the credit worthiness of applicants and liaise with property surveyors to assess property values
  • Evaluate borrower income through pay slips, tax calculations (SA302), P60s, and HMRC tax awards
  • Verify accuracy of applicant-provided information
  • Assess borrowers' ability to repay loans, meet, waive, and add necessary conditions
  • Prepare written rationalizations for underwriting decisions of Credit and Income Approval/Approve/Decline based on received documents
  • Prepare loan estimates as per guidelines and provided documents
  • Ensure 100% compliance with product guidelines for application processing
  • Manage the credit approval process, ensuring credit, risk, and compliance standards are met
  • Review and assess financial information to determine borrower's repayment ability
  • Analyse loan risk and request additional information as needed
  • Verify KYC documents, income documents, bank statements, pay slips, and proof of deposit
  • Check Experian reports and external databases for residency status
  • Maintain daily targets and ensure quality in tasks while adhering to Service Level Agreements.

Analyst (Mortgage Underwriting and Business Banking Client Services)

HCL Technologies
Chennai
04.2021 - 03.2023
  • Responsible for underwriting mortgages and recommending loans for approval on all residential properties, including authorizing terms and conditions of residential commitment letters, conducting thorough credit investigations, obtaining and validating credit information, income confirmation and down payments
  • Provided reviews loan files for completeness and accuracy, analyzing credit documents, mortgage applications, credit history, and income documents, title documents, appraisals and all applicable compliance documents Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors
  • Adhered to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations
  • Identifies portfolio risks resulting from the client’s underlying business practices, underwriting, and/or fraud exposure
  • Carry out weekly pipelines with each branch to ensure loans move forward
  • Handling client emails and resolving client queries.

Assistant Manager (Credit Cards and Personal Loan Underwriting)

HDFC Bank Ltd
Chennai
06.2017 - 10.2019
  • CREDIT CARDS (June 2017 – April 2019) Evaluate client credit data and financial statements to assess lending risk
  • Maintain credit policy standards and participate in achieving company goals
  • Handle APS, Flex cube, Vision Plus, Finnone, NSDL, LOS, MS Excel, and Word efficiently
  • Validate applicant KYC, CBDT, CIBIL, risk results, CPV details, and income information
  • Approve or decline applications based on credit worthiness assessments
  • Maintain low delinquency rates and identify high-risk customers
  • PERSONAL LOAN (April 2019 – October 2019) Assess loan applicants' qualifications based on income, outgoings, and credit management history
  • Pre-screen KYC, prepare CAM, and manage loan process including due diligence, underwriting, approval, and closing
  • Identify fraud risks based on applicant profiles and verify information against documents
  • Maintain compliance with company and regulatory standards.

Customer Service Executive (On Role)

HCL Technologies
Chennai
03.2015 - 06.2017
  • BANK OF IRELAND - HCL BSERV The primary responsibility is to process the day-to-day tasks, Complete back-office operations for an International Bank
  • Application Validation, Creating the customer profile on bank application
  • Checking the customer’s credit rating (AML Check through UK Experian Website)
  • Savings & Term Deposit Account Opening Cheque Validation, Cheque Lodgment, and Cheque Issuing Internal & External funds transfer and Suspense accounts handling
  • Changing customer’s tax liability status on scrutinizing relevant forms of R85
  • Performing account closure by Cheque or BACS as per customer request
  • Performing Maturity pay away and customer pay away requests by Cheque or BACS
  • Return of Fund, sending letters to the customer for requesting additional documents for account opening and replying to customer’s queries.

Customer Service Executive (Off Role)

HCL Technologies
Chennai
02.2012 - 03.2015
  • BANK OF IRELAND - HCL BSERV Process day-to-day back-office operations for an international bank
  • Validate applications and create customer profiles in bank applications
  • Conduct AML checks through the UK Experian website
  • Open savings and term deposit accounts, validate cheques, and handle internal and external fund transfers
  • Manage customer tax liability status and perform account closures
  • Handle maturity pay away and customer pay away requests
  • Communicate with customers for additional document requests and respond to queries.

Education

Bachelor of Computer Applications (BCA) -

Hindustan Arts and Science College
01.2011

High School -

Ramakrishna Mission Higher Secondary School
01.2008

Secondary School Leaving Certificate (SSLC) -

SVM Higher Secondary School
01.2006

Skills

  • Decision Making
  • Flexibility and Adaptability
  • Time Management
  • Analytical and Critical Thinking
  • Mortgage Underwriting and Loan Approvals
  • Lending & Underwriting Guidelines
  • Loan Closing
  • Funding & Documentation
  • Underwriting
  • Credit analysis
  • Banking operations

Certifications And Awards

  • Recognized as Emerging Star, September 2017
  • Silver Star Award for Consistency (three times)
  • Fraud Prevention Award, March 2019
  • Star Performer award, August 2022
  • Received quality performer award for maintaining Nil errors in December 2023 and January 2024

Languages

  • English: Excellent
  • Tamil: Excellent
  • Telugu: Excellent

Volunteer Experience

  • Assist colleagues with process-related queries and track hourly productivity.
  • Allocate SLA cases to team members to ensure pipeline cases are cleared.

Timeline

Credit Analyst (Mortgage Underwriting)

Barclays Bank
03.2023 - Current

Analyst (Mortgage Underwriting and Business Banking Client Services)

HCL Technologies
04.2021 - 03.2023

Assistant Manager (Credit Cards and Personal Loan Underwriting)

HDFC Bank Ltd
06.2017 - 10.2019

Customer Service Executive (On Role)

HCL Technologies
03.2015 - 06.2017

Customer Service Executive (Off Role)

HCL Technologies
02.2012 - 03.2015

Bachelor of Computer Applications (BCA) -

Hindustan Arts and Science College

High School -

Ramakrishna Mission Higher Secondary School

Secondary School Leaving Certificate (SSLC) -

SVM Higher Secondary School

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SURYANARAYANAN R