WILFRED ROYCE
Bangalore
Summary
Motivated and well spoken individual with robust problem solving, analytical, customer service skills. Resourceful individual able to work autonomously or as part of a team in remote and face to face environments. Seeking a professional position that will utilize my current experience while allowing me to gain more knowledge. Expertise in risk assessment, financial analysis, and compliance. Strong focus on team collaboration and achieving results. Reliable and adaptable, with proficiency in utilizing data analytics tools and maintaining high standards in all tasks.
Overview
3
3
years of professional experience
Work History
Credit Operations Analyst
ANZ Support Services
09.2022 - Current
- Oversees servicing of loans, review files for accuracy of statements and rates, facilitates correspondence with customers and other departments
- Conducts checks before processing, ensuring all documents are accurate and verified (Income calculations and experience in 4 C's of underwriting)
- Responsible for underwriting loans for salaried individuals, applicants with other income sources including investment income (rental, superannuation etc.), government benefits (Pension, disability etc.) and others as well as retired applicants & reviewing loan documentation for completeness and compliance with established credit risk policies
- Conduct Telephonic discussions and risk assessments on potential applicants based on previous borrowing history, credit rating and other factors
- Role involves applying a high level of judgment to analyze the applicants' current financial position, employment history, income documentation, credit history and mortgage security value
- Conduct in-depth credit review & analysis of financial statements, tax returns and projections for self-employed customers, to underwrite mortgage files effectively
- Responsible for timely completion of settlements/Disbursements
- Provide a high level of service to the onshore stakeholders/brokers in dealing with enquiries/escalations in a friendly and timely manner
- Makes self-available to deal with escalations by providing accurate resolutions
- Cross skilling with other teams within the bank
- Ensured SLA's are consistently met
- Lead a 'Client Advocacy' culture where employees have the confidence, courage, initiative, resolve to make a difference for the customer
- Carry out BCP tests
- Developed strong relationships with clients through effective communication, fostering trust and loyalty while mitigating delinquency rates.
- Enhanced credit analysis efficiency by streamlining workflow processes and implementing automation tools.
- Maintained up-to-date knowledge of industry trends and regulations, enabling informed recommendations on credit policies and procedures.
- Provided recommendations for process improvements, contributing to increased departmental efficiency.
- Multitasked, worked well under pressure and drove positive change to credit operations.
- Strengthened internal controls by identifying areas for improvement in credit operations procedures.
- Evaluated loan applications for accuracy and compliance, reducing the risk of potential financial loss.
- Worked smoothly with internal and external customers in time-sensitive environment.
- Investigated and resolved customer disputes related to credit decisions.
Credit and Risk Associate
1T9 Technologies Pvt Ltd
12.2021 - 08.2022
- Performing KYC Document checks of the customers (Government ID's)
- Assessed the customer's Delinquency rate, Repayment track, Defaults (DPD's) by going through the TransUnion CIBIL reports of the customer
- Underwriting the Loan applications after carefully analyzing bank statements of the customer
- Render loan application decisions based on consultations with upper management
- Conduct Risk assessments on potential clients based on previous borrowing history, credit rating, Employment stability
- Drafts and distributes weekly and monthly funding reports for management
- Contact branch staff regarding errors in documents or supporting documents and ensure problems are resolved
- Perform other duties as assigned
- Adherence to companies internal policy
- Contributed towards continuous process improvement within the risk management function by suggesting and implementing best practices.
- Evaluated existing policies and procedures to identify potential areas for improvement concerning risk mitigation efforts.
- Collaborated with cross-functional teams to address identified risks proactively, supporting long-term strategic planning efforts.
- Created an open culture that encourages employees to report any suspicious activity or potential threats promptly without fear of retaliation.
Education
Second PUC -
ST JOSEPH PU COLLEGE
01.2017
Bachelor of Commerce -
ST JOSEPH COLLEGE OF COMMERCE
01.2020
Skills
- 30-40 WPM
- Email Communication
- Teamwork
- Time Management
- Leadership
- Effective Communication
- Critical Thinking
Accomplishments
Achieved Star Performer award by completing huge volumes with accuracy and efficiency.
Languages
English
Tamil
Hindi
Kannada
Timeline
Credit Operations Analyst
ANZ Support Services
09.2022 - Current
Credit and Risk Associate
1T9 Technologies Pvt Ltd
12.2021 - 08.2022
Bachelor of Commerce -
ST JOSEPH COLLEGE OF COMMERCE
Second PUC -
ST JOSEPH PU COLLEGE
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