As a Underwriter (Credit) - Quality, I am responsible for -1. - Conducting detailed loan application analysis by assessing creditworthiness and risk, collaborating with cross-functional teams for information gathering.2. Enhancing customer satisfaction through prompt communication and efficient application handling.3. Streamlining underwriting processes by implementing standardized templates for faster turnaround times.4. Improving risk assessment accuracy by conducting thorough reviews of financial documents.5. Supporting decision-making for new and renewal business by monitoring market conditions to mitigate risks.6. Managing high-volume caseload and meeting underwriting targets while ensuring compliance.7. Fostered strong client relationships by providing exceptional service, and, communicating underwriting decisions clearly.

As a QA - Underwriting professional, I am responsible for:1. Conducting pre-funding audits to ensure loan compliance with company guidelines.2. Communicating deficiencies to relevant departments and ensure corrective actions are taken.3. Reviewing approved loan applications for process compliance.4. Escalating suspected fraudulent activity to the Quality Manager.5. Acting as a Single Point of Contact, facilitating communication between stakeholders.6. Building strong relationships with Operations Team and attend calibration sessions.7. Conducting audits for Operations and share variances with relevant parties.8. Providing hands-on assistance, mentoring, and intervention to drive performance.9. Emphasizing collaboration, integrity, customer-centricity, and attention to detail.10. Maintaining accuracy, meet deadlines, and identify anomalies for timely insights.

Relationship LeaderThe focus was on cultivating strong relationships with clients. By understanding their financial objectives and tailoring solutions to meet their unique requirements, I became become a trusted advisor. This involved providing personalized financial advice, recommending appropriate credit products, investment opportunities, and other banking services. Establishing trust and delivering exceptional customer service were essential aspects of building and maintaining long-lasting client relationships.Additional aspect was assessing the creditworthiness of borrowers by carefully analyzing their financial statements, conducting risk evaluations, and determining suitable lending terms. My goal was to ensure that the bank's credit portfolio remains healthy and minimize the risk of loan defaults.Industry experience: Textiles, Paper & Printing, Infrastructure, Engineering, Steel. Types of business loans handled: Dealer Finance, Working Capital – CC, Bank Guarantees, Pre/Post shipment finance, Letter of Credits (Inland/Foreign), Purchase Invoice discounting.

Expertise in preparing comprehensive planning and strategy documents for audit engagements, ensuring meticulous verification of minute books from various meetings and statutory filings with ROC. Proficient in conducting Treasury audits of banks in strict adherence to prudential norms outlined by RBI. Adept in auditing cash flow statements for statutory reporting and conducting thorough audits of Balance Sheets and Profit and Loss Accounts, following the format specified under Schedule III of the Banking Act, 1949. Proven track record of effectively managing teams to ensure timely and efficient execution of audit activities. Bringing in-depth knowledge, attention to detail, and strong analytical skills to deliver accurate and insightful audit results for the banking sector.Areas of Application - Statutory Audits, Internal Audits, Concurrent Audits, and Treasury Audits of PSU sector banks, private banks, foreign banks and co-operative sector banks.