Summary
Overview
Work History
Education
Skills
Professional Development Interests
Languages
Achievements Recognitions
Technical Skills
Timeline
Generic

Swaraj Gowda S J

Bangalore

Summary

Results-driven Credit appraisal officer with over seven years of experience in accounts payable, US mortgage, Indian banking system and risk management, Experienced at ensuring compliance with the USA and Indian banking standards, vendor management, and operational efficiency. Recognized for attention to detail, process improvement and stakeholder collaboration.

Overview

8
8
years of professional experience

Work History

Credit Appraisal Officer

Karnataka Bank Private Ltd
Bangalore
03.2021 - Current
  • Evaluating loan applications and the creditworthiness of potential borrowers.
  • Reviewing CIBIL reports of customers to determine risk levels associated with loan applications.
  • Assessing the financial information of borrowers.
  • Researching market trends and regulations to stay informed of industry changes.
  • Served as the Single Point of Contact (SPOC) for the Bengaluru region, resolving customer queries.
  • Prepared and maintained daily inward-outward data using Excel for tracking and reporting.
  • Assessed customer eligibility through financial calculations and credit evaluation.

Senior Process Executive - Voice

Cognizant Technology Solutions India Private Ltd
Bangalore
11.2020 - 02.2021
  • Managed customer interactions and resolved queries efficiently.
  • Ensured compliance with client policies and service-level agreements.
  • Assisted in process improvements to enhance operational efficiency.

Financial Analyst

Wells Fargo Enterprise Global Services
Bangalore
12.2017 - 07.2020
  • Processed financial transactions related to mortgage industries, ensuring accurate and timely payments.
  • Verified documents submitted by attorneys for work completion on foreclosed properties before approving payments.
  • Ensured adherence to U.S. government and state regulations for invoice processing.
  • Reported and mitigated risks associated with invoice padding while managing vendor relations.
  • Led the Risk pillar, updating and analyzing reports monthly to ensure compliance.
  • Provided process training and mentorship to team members, reducing errors and enhancing efficiency.
  • Conducted process calibration meetings with stakeholders and state-side partners.
  • Developed anomaly detection reports and led initiatives to improve payment accuracy.
  • Managed escalations, resolved discrepancies, and optimized workflow automation.

Education

Master of Business Administration (MBA) -

Dayananda Sagar College
Bangalore
01.2017

Bachelor of Business Management (BBM) -

Adichunchangiri Institute of Business Management
01.2015

Skills

  • Loan Automation Processing Solutions (LAPS)
  • Document Management System (DMS)
  • Finacle
  • MS Office Suite
  • Data Analysis
  • Team Leadership
  • Escalation Handling
  • Compliance & Risk Reporting
  • Process Improvement
  • Loan processing

Professional Development Interests

  • Continuous learning in financial analytics and risk management.
  • Passionate about process automation and workflow optimization in finance.
  • Active participant in corporate knowledge-sharing sessions and ideation projects.

Languages

  • English (Fluent)
  • Hindi (Fluent)
  • Kannada (Fluent)

Achievements Recognitions

  • Shared Success Award recipient for outstanding contributions to operational excellence.
  • Maintained a zero operational loss record throughout tenure.
  • Earned multiple appreciation emails from leadership and business stakeholders.

Technical Skills

Core Logic iClear, BKFS- LoanSphere, Mortgage Service Provider, Lender Processing Services (LPS), Loan Automation Processing Solutions (LAPS), Document Management System (DMS), Finacle, MS Office Suite (Excel, Word, PowerPoint), Data Analysis, Team Leadership, Escalation Handling, Compliance & Risk Reporting, Process Improvement

Timeline

Credit Appraisal Officer

Karnataka Bank Private Ltd
03.2021 - Current

Senior Process Executive - Voice

Cognizant Technology Solutions India Private Ltd
11.2020 - 02.2021

Financial Analyst

Wells Fargo Enterprise Global Services
12.2017 - 07.2020

Master of Business Administration (MBA) -

Dayananda Sagar College

Bachelor of Business Management (BBM) -

Adichunchangiri Institute of Business Management

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Swaraj Gowda S J