Neha Agrawal

Email: acrrue@r.postjobfree.com Phone: (M) +91-786*******/073*-*******

*** ******* ***** ***** ***** Indore (MP) 452010

Professional Experience

ICICI Bank Indore (May’12 – till date)

Deputy Manager Band I

~GPC,Wealth and Financial services executive/Good Analyser and Problem solver/

Mortgage service professional/Relationship manager/ Banking Operations/

CCA Audit/SOX Audit/Consumer fraud Protection/

International Athlete/Great Academic performer/Tenacious grinder~

To secure a dynamic position in a professionally challenging environment where my

Banking,Audit,fraud Protection and academic skills will be utilized to the utmost

level and provides enough scope to explore my knowledge to serve the organization

the best of my ability and skills.

Summary

Business Development Executive

Performance-driven insightful Professional Banker with proven ability to achieve and

exceed all revenue and 90% business-development goals in high pressure environments.

Relationship-development expertise that complements the ability to aggressively build

solid client base and drive revenue growth.

Comprehensive knowledge of, and experience in leveraging numerous banking financial

services in a variety of complex scenarios.

Business Problem Solver

Identify the problem, opportunity or challenge

Define current performance measures

Define target performance measures

Determine the cause of the problem

Define what should be done to resolve the problem

Define how the problem will be solved 100%.

Proven leadership and team-building skills coupled with the ability to direct strong

teams in managing customer relationships and providing Banking services.

Financial Analysis

Formulated new marketing and sales approach to increase gross revenues.

Effectively negotiated and contributed to the mezzanine (Unsecured) financing.

Efficiently developed new relationships with superior vendors to decrease asset expenses.

Orchestrated and managed the day to day operations.

Managed all operational and administrative phases.

Directed on-site management,maintenance, and construction staff.

Developed budgets, variance reports, and other financial analysis.

Communicated with clients, vendors, and tenants to attain highest standard of service.

Weekly analysis of marketing strategies to meet changes in neighborhood trends & federal,

state or county measures.

Asset Planning

Reviewed all forms of Asset Valuation (BPO, Appraisal & Reconciled Market Value) for

strategic market plans in determining Recommended List Price.

Coordinated with vendors on sales and repair measures for resolution and reduction

of days on market for below average properties.

Negotiated contract terms with brokers and buyers to achieve net sale proceeds above 90%.

Evaluated loan history, hardship, financial statements, pay stubs, tax returns, credit

reports, estimated HUD-1, and other documents to evaluate a pre-foreclosure.

Obtained all third party approvals when non-delegated to include investor (FNMA) and

mortgage insurance companies.

Rendered keen oversight to ensure continuous workflow of operations by expertly utilizing

the results of due diligence as well as effectively sourcing and implementing solutions

to problems occurring within the sites.

Determined and successfully met budget requirements.

Profile At Glance

Current Role

Mortgage Loan Processor:

•Mortgage industry professional with loan-processing experience and a comprehensive

knowledge of conventional loan programs.

•Thorough in gathering borrower information, verifying loan documents and reviewing file

documentation to guide each loan from preapproval to closing.

•Provide support to loan officer and underwriter teams by ensuring the timely, judicious

and accurate processing of mortgages. Review and verify borrowers’ income, credit reports,

employment histories, property appraisals and title insurance information to prepare loan

applications for underwriting submittal. Ensure compliance with company policies,

underwriting guidelines and lending-program requirements.

Achievements (Current)

•Regarded as one of the company’s most productive loan processors,handling an average of

30 files monthly.

•Outperformed company average in achieving loan-processing turn-around time.

•Provided expedient service cited as key to consistently high customer satisfaction ie upto

85-90%.

•Ensured all files were complete prior to underwriting hand-off and coordinated effectively

with title companies to ensure smooth closings.

•Successfully processed some of the most challenging loan applications (e.g., first-time

borrowers, self-employed applicants and borrowers with problematic credit histories).

Achievements (other)

•NRI's Idea accepted on PAN India Level by RBI (Reserve Bank Of India)

•1st ranker in intelligent hunt programme.

•1st ranker Speed training programme .

•Awarded as most Productive, Accurate & fastest person of my whole unit for 2 consecutive

years.

Certifications

•NISM (National Institute of Securities Market) Certified.

•NSDL (National Securities Depository Limited) certified.

•IRDA (Insurance Regulatory and Developement Authority of India) certified.

•International player of Athletics 21k (2:18 Surat Marathon 2015)4th ranker.

•Gold medalist (3000m) state.

•Awarded as Best Sports person in Manipal Academy Bangalore.

•1st ranker in AIDS essay Competition.

Co-Curricular Activities

•Headed INSOMNIA as volunteer organized by RIT.

•Head of SPECTRUM-2006 (B-school) organized by SVITS.

•Unique Talent Search Examination.

•Initiator of Road safety campaign.

•5th ranker in Drawing competition to save water.

Skills

•Team Leader (5 members)

•Process improvement:Ideas.

•WLB (Work life Balance).

•Finacle,Finnone and FCRM Proficiency.

•Command over Banking Transactions.

Academia

PG in Banking and Finance from Manipal Academy Bangalore in 2012.

BE (Electronics and Communication Engineering) from R.G.P.V. Bhopal in 2009 with 75.66%

12th from M.P. Board in 2005 with 80%

10th from M.P. Board in 2003 with 83%

Personal Specifics

Date of Birth: 7th Aug, 1986

Languages Known: English,Hindi & Gujarati(beginner)

Willingto Relocate: Yes

Contact this candidate