VIRAL KUMAR GANATRA
Pune
Summary
Having 9+ Year experience in underwriting projects in US & UK Banks and more than 2years experience in lead generation and willing to accept challenges and opportunities in dynamic environment and to utilize capabilities and knowledge in an organization which recognizes the value of hard work and trusts me with responsibilities and challenges.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Sr. Underwriter
Barclays Global Service Centre Pvt ltd
Pune
07.2021 - Current
- Working with Barclays Bank to UK serve residential mortgage customer, includes working on 4c of Underwriting
- Managed Underwriting Query and maintained underwriting account file information.
- Established accurate risk assessments to identify potential vulnerability indicators.
- Control Loss by Assessing Risk, Conducting Ratio Analysis and recommending end to End solution to Bank customers.
- Underwriting of Documents from Origination to Loan Approval on the basis of 4C of Underwriting.
- Deals with fraud review, Escalation as per policy of Bank.
- Working on 4c of underwriting and evaluating risk assessment on each loan as per policy of UK Govt and Bank.
Underwriter
First Source ltd
Mumbai
02.2021 - 07.2021
- Working with Freedom bank US Underwriting project as third party dealing with end to end underwriting process and also dealing with customer / broker on day to day basis for documentation and approval and denial process.
- Assessed customer data to make informed decisions on credit-worthiness and risk levels.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Made approval and denial recommendations by determining accurate risk levels.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Mortgage Underwriting Analyst
TCS LTD
Kolkata
07.2018 - 01.2021
- Internal Transfer from Unsecured to Mortgage Underwriting
- Worked with Citi North America mortgage underwriting as mortgage underwriter for residential application Profile include sorting of documents, calculating income and collateral for customer and dealing with broker on day to day basis.
- Built outstanding relationships with clients through bespoke care and advice, going above and beyond to promote client loyalty and retention.
- Processed and underwrote loans, verifying consistent regulatory compliance with financial laws in all documentation to maximise chance of approval.
- Developed strong negotiation skills while working closely with brokers to finalize coverage terms that met both company objectives and client needs.
- Provided exceptional customer service by addressing inquiries from brokers, agents, and policyholders in a timely manner.
Credit Analyst (Internal Transfer)
Tata Consultancy Services
Kolkata
07.2016 - 01.2018
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Underwriting from sorting of documents till loan approval along with coordinating customers/ Brokers about bank policy and approval & denial of loan.
- Also deal with fraud review, escalation as per the policy of Barclays Bank.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
Planning & Billing Analyst
Wipro ltd
Kolkata
09.2014 - 10.2015
- Worked as BT Advisor in planning of UK Telecom network and calculating Billing & Resolving disputes of Customer on day to day Basis.
- Met work schedules to produce accurate, timely monthly reports and facilitate cross-departmental project communications.
- Checking and sorting end to end billing queries and handling the level 1 escalation calls from customer and providing the resolution to customer as per client’s policy.
Senior Marketing Executive
Ajanta LTD
Mumbai
06.2013 - 08.2014
- Dealing with distribution in Mumbai Suburb region of Ajanta CFL and Lamps.
- Drove continuous improvement, developing and implementing innovative ideas for campaigns.
- Oversaw production of print and digital marketing materials, liaising with Graphic Designer to ensure brand standards.
- Completed and submitted monthly and yearly reports to support executive decision making.
Marketing Executive
Outsource Biz India pvt ltd
Kolkata
07.2011 - 04.2013
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Gathered loan documentation for underwriting.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
Education
Bachelor of Commerce - Commerce
Calcutta University
Kolkata, India05.2011
Skills
- Process improvement
- Trend Analysis
- Results oriented
- Customer loyalty building
- Performance management
- Underwriting guidelines
- Policy renewal
- Microsoft Office
- Data Collection
- Risk evaluations
- Contract Review
- Loss Protection
- Risk assessment
- Document underwriting
- Fraud detection
Certification
- Certification in US Mortgage Underwriting
- Certificate in Risk Management
Languages
- English, Bilingual or Proficient (C2)
- Spanish, Elementary (A2)
- Gujarati, Bilingual or Proficient (C2)
- Hindi, Bilingual or Proficient (C2)
- Bengali, Bilingual or Proficient (C2)
Timeline
Sr. Underwriter
Barclays Global Service Centre Pvt ltd
07.2021 - Current
Underwriter
First Source ltd
02.2021 - 07.2021
Mortgage Underwriting Analyst
TCS LTD
07.2018 - 01.2021
Credit Analyst (Internal Transfer)
Tata Consultancy Services
07.2016 - 01.2018
Planning & Billing Analyst
Wipro ltd
09.2014 - 10.2015
Senior Marketing Executive
Ajanta LTD
06.2013 - 08.2014
Marketing Executive
Outsource Biz India pvt ltd
07.2011 - 04.2013
Bachelor of Commerce - Commerce
Calcutta University
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