Profile Summary
A diligent and results-oriented professional with expertise in personal loans, possessing a comprehensive understanding of loan origination and underwriting processes. Proficient in team management, ensuring quality output. Knowledgeable in KYC checks and AML-KYC guidelines, ensuring adherence to regulatory standards.
KEY SKILLS
- Personal & Education Loan Underwriting
- Credit Bureau Analysis
- US Mortgage Underwriting (4C’s Validation) as per FNMA/FHLMC Guidelines Adherence
- Risk Analysis through financial docs & Red Flags Identification
- Team Management
Employment History
Manager (Personal Loan) at HDFC Bank Ltd.
October, 2022 - April, 2024
- Handled personal loans as a core product, ensuring adherence to bank policies and regulations.
- Reviewed comprehensive applicant profiles, for income, employment, banking and credit behavior.
- Engaged in personal discussions with high net worth individuals (HNIs) to assess their financial capacity.
- Collaborated with Direct Selling Agents (DSAs) to align them with bank policies
- Oversaw and managed the personal loan portfolio to ensure growth and profitability.
Lead Associate - US Mortgage at WNS Global Services Pvt. Ltd.
December, 2021 - October, 2022
- Conducted live underwriting for US mortgage applications, ensuring adherence to FNMA & FHLMC
- Validated the 4C’s (Credit, Capacity, Collateral, and Capital) on mortgage files based on FIFO or client specifications.
- Identified and addressed red flags during the underwriting process to mitigate risk.
- Collaborated in real-time with Loan Processors (LP) and Mortgage Loan Officers (MLO) to address file-related queries and concerns.
- Made final decisions on loan files, including approval, suspension, or cancellation.
Senior Associate - Underwriting at Assimilate Solutions Pvt. Ltd.
November, 2020 - December, 2021
- Conducted comprehensive analysis of income, employment, credit strength, and property appraisal for each mortgage application.
- Ensured that loan applications complied with lenders’, investors’, and government agencies’ guidelines for approval.
- Gained hands-on experience in the Closing Disclosure (CD) specialist process.
Senior Associate (SME) - Education Loan-Underwriting at WNS Global Services Pvt. Ltd.
February, 2018 - November, 2020
- Validated admission details by reviewing proof of admission documents.
- Verified applicant identity (KYC) using proof of identity documents.
- Assessed creditworthiness and escalated red flags as necessary.
- Evaluated the financial capacity of individuals through income calculations and tax returns.
- Verified assets, bank statements, deposits, etc., to ensure they met the loan requirement.
Staff Consultant (US Mortgage Process) at Oracle (OFSS) BPO Services Ltd.
September, 2014 - February, 2018
- Conducted thorough mortgage file underwriting to assess credit risk.
- Examined credit bureau reports to verify borrower creditworthiness.
- Calculated income for applicants, ensuring compliance with lending standards.
- Reviewed bank statements, asset documents, and additional income to evaluate financial capacity.
- Assessed property appraisals and title reports for property value and ownership status.
Process Associate (UK Banking) at RBS Business Services Pvt. Ltd.
January, 2012 - September, 2014
- Analyzed customer complaints and queries to determine eligibility for refunds.
- Developed key points for process improvement and incorporated them into standard operating procedures (SOP).
- Ensured timely dissemination of client updates and policy changes within the team.
Education
Diploma (Science)
Dr. B.R Ambedkar University
Completed
12th Central Board of Secondary Education
Completed
10th Central Board of Secondary Education
Completed
Declaration
The above-mentioned details are true to the best of my knowledge and given a chance, I shall discharge my duties to the entire satisfaction of my superiors. Hope that credentials satisfy your requirement & looking forward to further contacts.
SHRI HARI MAHAVAR
Manager
Basic Details
Gender -
Male
Date of Birth -
1987-07-21
Marital Status -
Married
Blood Group -
AB+
Skills
Microsoft Office - (Word, Excel, PowerPoint, Outlook, Access) and C-language, Visual Basic, Business system & Internet and Web Design
Certificates
O-Level
Institute Name: DOEACC DPS Educational Society
March 2009
Project Management, Six Sigma White Belt, Six Sigma Yellow Belt, Introduction to R, CAPM, Data Science Foundations
Institute Name: Skillup, Aveta Business Institute, 6sigmastudy, Great Learning,
2022
Accomplishments
Star Award, Top performer, Top contributor, Quality Achiever, Best Employee
Interest and Hobbies
Work With Different Gadgets