Computer Science Accounting

Mihir B Bhatt

**** ********* **** ***-

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Saint Charles, MO 63303

*********@*******.***

EXPERIENCE CitiGroup, O'Fallon, MO (03/09-

Present)

CREDIT UNDERWRITER 3

Perform credit and property analysis on conventional

loan files submitted within the time frame

established by department management using Manual &

AUS underwriting. Dependent on division and

complexity of underwriting, functions include

reviewing financial statements, credit reports, and

applicable ratios(i.e. Debt ratios, loan-to-value);

evaluating; examining transactions to ensure accuracy

and completeness; preparing formal reports for

review; ensuring that documents are consistent and

uphold to company and industry guidelines;

implementing fraud detection techniques, performing

compliance reviews; assisting with re-negotiations

of loans based on lending guidelines; contacting

customers and partners to gather information to make

appropriate decisions, explain rationale behind

credit decision. Adequately and effectively explain

in written and verbal form the decision reached in a

manner that will maintain a positive relationship

with all customers. Perform timely reviews of

conditions submitted, as well as loan resubmissions.

Reconcile AUS findings reports to loan files. Perform

other job-related duties and special projects, DU &

LP experience.

Bank of America, Atlanta, GA (11/04-

02/09)

SENIOR CREDIT ANALYST

Underwrite residential loans ensuring compliance with appropriate

company and secondary market investor standards using

AUS as well as Manual Underwriting. Examines loan

documentation for accuracy and completeness,

reviewing financial statements, credit reports and

applicable ratios, cleared preliminary underwriting

conditions and issued clear-to-close, submitted and

resubmitted loans through DU and LP. Responsible for

reviewing, analyzing, approving and underwriting

large, unusual or complex individual consumer

requests and products within company and industry

guidelines. Signing authority up to $2.5 million

ACHIEVEMENTS Spirit Champion Award

(09/2005)

Award of Excellence

(12/2006)

Mortgage Star of the

Year (12/2006)

EDUCATION M.S.University, Baroda (2002)

Bachelors of Commerce with Accounting, Auditing &

Income Tax

Bachelors of Computer Science

Santa Fe Community College, Gainesville, FL

(2003-04)

Associates of Arts with Accounting Major

SKILLS Completed 120 hours towards Credit Training Program, Proficient

knowledge of Microsoft Word, Excel, Access,

PowerPoint, Outlook Express, Windows 9X, Windows

2000, Windows ME, Windows XP and Windows Vista, team

player and attitude to solve problems, easily work in

stress environment, strong verbal and written

communication

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