Summary
Overview
Work History
Education
Skills
Accomplishments
Hobbies and Interests
Timeline
Generic

Vishal Mehrotra

Noida

Summary

Specialist with more than 6 years of industry experience in banking and collections responsible for providing administrative and resource oversight and ensuring full compliance with all applicable state and federal rules, regulations, and laws is seeking a full-time opening in which to apply my expert skills in accounting and financial analytics.

Overview

7
7
years of professional experience

Work History

Senior Analyst

Barclays
Noida
09.2024 - Current
  • Analyzed mortgage applications for compliance with lending policies and regulations.
  • Communicated with clients about underwriting decisions and additional requirements needed.
  • Mentored junior underwriters on complex cases and best practices in the field.
  • Utilized underwriting software to streamline application reviews and decision-making processes.
  • Verified employment history and income of applicants.
  • Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
  • Communicated loan decisions, including approvals, suspensions, or denials, clearly to all relevant parties.

Specialist-SME

HCL Technologies Ltd.
Lucknow
08.2022 - 07.2024
  • Company Overview: HCL Infosystems is an IT services, solutions & distribution company
  • Bank of Ireland: KYC Dispositions - Completion of Evidence of Review for low-risk profiles, KYC Memorandum, and, where applicable, an Addendum for medium, high, and high-risk profiles.
  • Credit Underwriting: Hands-on Ally, Amex, FHA, VA, Conventional, and Jumbo loans in residential mortgages.
  • Closing: Ensures adherence to policies, guidelines, and procedures, as well as compliance with regulations (HMDA, TILA, RESPA, HOEPA, FCRA, and ECOA) and credit guidelines.
  • Compliance - Defending the KYC case disposition of medium high and high risk in front of the compliance committee Client acceptance Committee - Representing any High risk profiles that have been escalated by Compliance committee to client acceptance committee
  • HCL Infosystems is an IT services, solutions & distribution company

Assistant Manager

HDFC Bank
Gurugram
12.2019 - 04.2022
  • Company Overview: HDFC Bank Limited is an Indian banking and financial services company
  • Perform timely Pre and or Post-Funding Quality loan reviews for mortgage origination to assess the accuracy and integrity of the information used to support the lending decision and adherence to federal and state compliance requirements, policy and procedures, GSE requirements, and all related contractual terms and agreements.
  • Verifying and analyzing all necessary financial information and documentation requests, process and managing the organization of borrower loan documentation.
  • Conduct economic analyses of companies and individuals to determine their creditworthiness. Analyze all related financial documents and credit scores to decide their creditworthiness.
  • Exposure to gap assessment, Credit Risk, Market Risk, Operational Risk, Liquidity Risk and Interest Rate Risk Management.
  • Direct comprehensive analysis of information on initial loan documentation, underwriting procedures, disclosures, HUD and closing package for accuracy.
  • HDFC Bank Limited is an Indian banking and financial services company

Associate - Operations & Logistics

Zomato
Gurugram
06.2018 - 09.2019
  • Company Overview: Zomato is an Indian restaurant search and discovery service founded in 2008.
  • Drive alignment on priorities across key business functions (e.g., operations, product, marketing, capital markets, corporate) through our strategic planning and OKR cycles. Play an integral role in the preliminary risk assessment process.
  • Collaborate with geographic business teams on strategy development including identifying and prioritizing strategic gaps, evaluating proof of concepts/commercial/partner options and collaborating on prioritizing implementations.
  • Correctly execute tasks and procedures related to the input of cash payments into the ERP system with accuracy. Handling intercompany transfers, account reconciliations, processing refunds.
  • Drive engagement to minimize attrition and maintain healthy levels of logins within the assigned locality.
  • Zomato is an Indian restaurant search and discovery service founded in 2008.

Education

Post Graduate Diploma in Management - Finance & Marketing

Harcourt Butler Technical University
Kanpur
08.2017

Master of Commerce (M.Com) -

Mahatma Jyotiba Phule Rohilkhand University
Bareilly
07.2017

Bachelor of Commerce (B.Com) -

Mahatma Jyotiba Phule Rohilkhand University
Bareilly
07.2015

Senior Secondary Education -

Central Board Of Secondary Education
03.2012

High School Diploma -

Central Board Of Secondary Education
03.2010

Skills

  • Know Your Customer (KYC)
  • Desktop underwriting
  • Common Reporting Standard (CRS)
  • SWIFT
  • SEPA
  • Ongoing Due Diligence (ODD)
  • Invoicing
  • Mortgage analysis
  • Credit Underwriting
  • Foreign Account Tax Compliance Act (FATCA)
  • FHA & Jumbo Loan expert
  • Credit evaluation

Accomplishments

  • Diploma in Computer Application from AISECT
  • O Level in Information Technology from NIELIT
  • Course on Computer Concept (CCC) from NIELIT

Hobbies and Interests

  • Investment
  • Nature Photography
  • Volunteer Work/Community Involvement

Timeline

Senior Analyst

Barclays
09.2024 - Current

Specialist-SME

HCL Technologies Ltd.
08.2022 - 07.2024

Assistant Manager

HDFC Bank
12.2019 - 04.2022

Associate - Operations & Logistics

Zomato
06.2018 - 09.2019

Post Graduate Diploma in Management - Finance & Marketing

Harcourt Butler Technical University

Master of Commerce (M.Com) -

Mahatma Jyotiba Phule Rohilkhand University

Bachelor of Commerce (B.Com) -

Mahatma Jyotiba Phule Rohilkhand University

Senior Secondary Education -

Central Board Of Secondary Education

High School Diploma -

Central Board Of Secondary Education

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Vishal Mehrotra