Reviewing new applications on a daily basisDetermining the best solutions for the client’s goalsPromptly preparing detailed application summaries for the sales teamPromptly requesting and collecting supporting documentationReviewing documentation for accuracyPromptly preparing detailed packages for submissions to lendersPromptly getting files approved by lendersCompleting timely application fulfillment with both lenders and law firms to get files Broker and Lender CompleteConsistently communicating with clients, team members, lenders, and law firms to provide updates and required information for active filesGathering, organizing, and submitting Closing Packages for compliance within the appropriate time after the file closesProactively completing all daily tasks before the end of the day

- Provide clients with independent expert advice on their financial options and offer mortgage products tailored to their needs.- Analyzing and evaluating complex commercial loan requests and assessing the creditworthiness of borrowers.- Collaborating with borrowers to understand their financial challenges, exploring viable solutions, and structuring loan modifications when necessary.- Evaluate up to 6 mortgage applications per day, and assess the customer's credit history, collateral, and income or ability to pay within established guidelines. - Performing underwriting tasks encompassing collateral analysis, valuation, and heightened risk evaluation for defaulted loans and problem accounts.- Implementing strategic workouts for troubled loans, including evaluating and recommending loan modifications, refinancing options, and restructurings.- Conducting comprehensive financial analysis of borrowers, properties, and market conditions to inform loan modification recommendations.- Ensuring adherence to underwriting standards, company policies, procedures, and Anti-Money Laundering (AML) requirements.

- Conduct a comparison-shopping process among different lenders to save clients time and find the best mortgage options.- Manage the pipeline to ensure timely receipt of documentation.- Fulfill all required conditions and communicate remaining conditions with customers in a timely fashion. - Provide excellent customer service while building and maintaining positive working relationships with lenders.- Stay informed of the latest industry knowledge, including B20, AML, and KYC legislation.

Promoted to Area Credit Manager from Branch Credit Manager within 3 years of joining the organisation due to exceptional Analytics skills, good decision making and enhanced capability of handling multiple roles within the organisation in terms of Testing New Modules, Vendor Management, and Bill management simultaneously. - Managed the underwriting process for loans against property, from personal discussions with applicants to loan disbursement, including underwriting up to $1 million.- Led comprehensive financial assessments and presented recommendations for suitable remedies to Management, ensuring alignment with established default/workout strategies.- Led a team of four credit processing associates and executed target-based work on the number of files and amount of CAM preparation and loan disbursement.- Ensured timely reviews with all stakeholders to strategize and negotiate successful workout plans, contributing to swift and efficient problem resolution.

-Took Care of the Credit Appraisal process of Home Equity-Underwrite proposals and make decisions on Loan Approvals and disbursement within empowerment based on credit evaluation criteria-Maintained a high-quality portfolio at the branch level-Managed the team of Credit Processing Associates-Managed and supported other operational activities at the branch level-Recommended proposals beyond the empowered limit for review of Area/ Regional Credit Manager

- Achieved monthly disbursement targets of $0.6 million to $0.8 million, leading to a total business of $3 million per month out of a branch target of $6 million.- Managed the end-to-end process for home loan files, from origination to loan disbursement, including underwriting up to $1 million and technical valuation of the mortgage.- Led a team of six DST/business executives and executed target-based work on the number of files and amount of loan disbursement.- Ensured timely reviews with all stakeholders and maintained monthly data in the form of MIS.

- Spearheaded the launch and implementation of Rate Guarantee & Flexible EMI Holiday as a Sales proposition.- Reengineered the Mortgage Process communication module based on primary research to keep cancellations under 2%.- Preparing timely and accurate reports for Senior Management, the Board of Directors, and external regulators on loan statuses, risk classifications, provisioning, and more.- Managed the overall product life cycle, including market research, requirement gathering, designing, feasibility, execution, product enhancements, and product positioning.- Demonstrated vigilance in updating risk ratings for default loans, accurately conveying developments to relevant internal stakeholders in a timely manner.- Actively engaged in promoting operational efficiency, participating in projects, policy crafting, and process enhancement initiatives to optimize service delivery and stakeholder satisfaction.- Engaging in ad hoc projects and initiatives that enhance the overall service quality for stakeholders.

- Designed and executed primary and secondary research, internal data collation, market, and competitor analyses.- Responsible for campaign creation, execution, and lead sourcing for Area Sales Manager across PAN India.