VIRAL KUMAR GANATRA

• Working with Barclays Bank to serve residential mortgage customer ,profile includes working on 4c of Underwriter
• Managed central mailboxes and maintained underwriting account file information.
• Established accurate risk assessments to identify potential vulnerability indicators.
• Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
• Underwriting from sorting of documents till loan approval along with co ordinating customers/ Brokers about bank policy and approval & denial of loan
• Also deal with fraud review ,escalation as per the policy of Barclays Bank.

• 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.

* 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.

• Reviewed sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans.
• Provided exceptional customer service by addressing inquiries from brokers, agents in a timely manner.
• Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.

• Worked with Citi North America for Unsecured Loan Underwriter for Citi Bank Personal loans.
• Contacted borrowers to gather additional information to make appropriate lending decisions.
• Completed pre-closing responsibilities to prepare loan files for closing team.
• Performed second-level review for loans recommended for denial by assisting with re-negotiations.
• Increased profitability by effectively managing loss ratios with prudent risk selection strategies and proactive portfolio management.
• Ensured data integrity by diligently maintaining accurate records in underwriting systems and databases.
• Maintained compliance with regulatory requirements through diligent monitoring of underwriting policies and procedures.
• Improved risk selection by consistently conducting comprehensive financial and credit analyses on potential clients.

• Worked as BT Advisor in planning of fttp network and calculating cost of project design for open reach project and sought the aproval from govt on necessary approval as per policy of BT Plc.
• Met work schedules to produce accurate, timely monthly reports and facilitate cross-departmental project communications.
• Crafted planning reports for contracts including EPC, NEC and FIDIC, as well as subcontractors.

• 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.

• Lead generation
• Worked as team member for US lead generation project for
• TPA for health insurance and presenting service to the prospect via web demo and follow up with their needs as per company policy.