Jeevanandham M Email & Phone Number

Chennai, Tn, In

Chennai, Tamil Nadu, India

Working as a “Banking Operation Associate” in Accenture Solutions Private Ltd, Chennai and have almost 3 years of experience. Working as an Underwriter (Role) in Residential banking operations. (1/1/2023 -08/27/2024)  Knowledged on lending & Underwriting guidelines, Credit & Income Analysis, Cashflow Analysis, Risk Assessment, Loan to value (LTV) ratios, Debt-to-income (DTI) ratios.  Reviewed the Initial application such as “to verify loan, property, borrower information with other available documents". Reviewed all the documents related to Borrower’s Credit, Capacity, Collateral and Capital. Responsible for making independent decisions regarding acceptance and risk of loans. Provided final Approval underwriting (Live & end to end) of mortgage loans.Highlights: Excellent at Income calculation and Debt-to-Income (DTI) Ratio calculation. Expertise in 4C’ s framework (Credit, Capacity, Collateral and Capital). Familiar in Credit report Analysis & LOX (Letter of Explanation). Knowledge on Residential Mortgage – Credit Bureau, Document to approve the loan, familiar with different account types. Worked as a Pre-underwriter (Role) in Commercial banking operations. (24/11/2021 - 12/31/2022)  Collecting loan documents from Relationship Managers and holding loans for pending requirements. Doing loan setup like Calculating Repayment amount, Adding Guarantor, Pricing and Collateral as per Deal sheet. Once services completed pushing forward to Underwriting and assign to Portfolio Manager. Proficient in MS Office especially MS Excel, CBR, Salesforce, Lexis Nexis, SAM reports.Highlights: Excellent at Repayment amount calculation, Sourcing Gross Annual revenue & Total Income from financials.  Familiar loans such as “Term loan, Line of credit, SBA, Letter of credit, Private wealth management (PWM)”.