FINANCIAL ANALYST
Resume:
Sowmya MathurLakshmiNarasimhan
Email: aboqbg@r.postjobfree.com
Address: apt 178, ashtonwoods, 4001 pelham road
City: Greer,greenville
State: SC
Zip: 29650
Country: USA
Phone: 864-***-****
Skill Level: Entry
Salary Range: 60
Primary Skills/Experience:
See Resume
Educational Background:
See Resume
Job History / Details:
SOWMYA MATHUR LAKSHMI NARASIMHAN
4001 Pelham Road. Greer, SC 29650
Landline - 864-***-**** aboqbg@r.postjobfree.com
CAREER OBJECTIVES:-
- To become a successful professional in finance domain, be highly competitive in the industry and grow in career.
FINANCIAL ANALYST/CREDIT ANALYST/MORTGAGE PROCESSOR/ACCOUNT ANANLYST
- Mortgage industry professional with loan-processing experience.
- Recording the transactions and entering the transactions in the bank`s record/System using Finnone and Finacle. (journal and ledger entry )
- Credit checking of customers and calculation of income of the customers.
- Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing.
- Computer savvy in MS Office Suite and MortApp (Mortgage Application Processing).
Skill sets/Expertise
- Analytical skill.
- Number crunching skills
- Multi tasking.
- Decision making.
- Quality servicing and quality control.
- Process Improvement/development/mapping /Re-engineering.
- Internal Auditing of different departments.
- Anti-money laundering (part of compliance).
- Good team leads as well as team player.
Professional Experience
DEVELOPMENT CREDIT BANK - Mumbai, India
Operations Executive (Retail Asset Unit) - November 2009 to May 2010
- Processing the loan applications after approval, ensuring that all the documents are in place, reviewing the details entered in the system is correct and disbursal of loans to the customer.
- Processing the staff loan applications as per the bank policies, acts as a single point of contact to the staff, ensuring that all the approvals are gathered before disbursal and disbursing the loans to the staff without delay.
- Service quality checking of all the files received for the month and preparing error report and submitting to the management to minimize the typo and other related errors to ensure all the parameters are met.
- Responsible for Process Improvement - Gap Analysis and Evaluation, and submitting process improvement reports and flow charts to the management for review and approval.
- Responsible for end to end UAT testing in system along with the IT department when ever required.
- Manual preparation of Offer letter to the customer after disbursal of loans.
EASI PROCESS PRIVATE LIMITED - Bangalore, India
Data processor - October 2007 to April 2009
Mortgage Processing
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, bank statement verifications, employment histories, property appraisals to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Amendments to the existing account as per the customer request.
Achievement Highlights:
- Regarded as one of the company`s most productive loan processors, handling an average of 15 files monthly.
- Won Director`s award for Excellence in the year 2009 from Easi Process.
- Always maintained quality level of 99% and above.
- Ensured all files were complete prior to underwriting hand-off.
- Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).
Investment Processing - Dec 2008 to Apr - 2009
- Processing all new investment accounts efficiently and without delay complying with Money Laundering Policies.
- Any additional investment related work that the bank may from time to time require
ADDITIONAL RESPONSIBILITIES HANDLED
Money Laundering Reporting Officer - Jan 2008 to Apr 2009.
* Full understanding of the money laundering policies and act as a focal point for staffs requiring clarification of money laundering issues.
* Reviewing the daily reports of potentially suspicious transactions and preparing daily report highlighting transactions that have been deemed to be suspicious for review to the group MLRO
* To carry out any ad hoc task requested by the Group MLRO.
Internal Audit Team Member (ISO27001 certification) - Feb 2008 to Apr-2009
* Complying with the company requirements and assisting in preparing audit schedule and conducting audit.
* Recording and reporting the findings of the audit to the management.
* Conducting follow up audits.
Process Mapping - Dec 2008 to Apr 2009
* Reviewing the current process, finding out the gaps and improvements and re-engineer the process
* Preparing flow chart and work instruction for the re-engineered process.
Education
* Master of Business Administration(specialization in Finance and Marketing ) - May 2007 from VLB Janaki Ammal College of Arts and Science -Coimbatore,India(passes with 70%)
* Bachelor of Commerce - May 2005 from Govt college of Chittur -Palakkad, India.(passed with 75%)
* Higher secondary (commerce) - May 2002 from Govt.Higher Secondary School,Kottayi-Palakkad,India ( passed with 78%)
* Secondary School - May 2000 from Govt. Moyan Model girls Higher Secondary School, Palakkad, India ( Passed with 71%)
Other details
* Visa Status : L2
* EAD - Yes Valid from 09/14/2012 to 09/02/2014
* SSN - Yes
* Driving License - No
* Date of Birth :- 10/05/1984
* Languages Known: - English, Hindi, Malayalam, Tamil.
* Computer Skills:- MS word, MS Excel, MS, PowerPoint, MS visio,MS Outlook, Learning MS Access.
* Banking Software: - Bastion,Finacle,Finnone.
* ERP - SAP FICO (training undertaken), Finnone and Finnacle.
* Operating System :- Windows
I hereby declare that whatever information/details mentioned above is true.
Date: - Signature: - Sowmya Mathur Lakshmi Narasimhan
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