Credit Analyst
Resume:
Al Rigga Dubai- ***99,
UAE
Mobile: +97-056******* Email:
*******@*****.***
*************@*****.***
Objectives
TO PURSUE A CHALLENGING CAREER IN A GROWING ORGANIZATION, WITH A
SUPPORTIVE ENVIRONMENT THEREBY ACCOMPLISHING THE GOALS OF THE
ORGANIZATION AND ALSO HAVE CONTINUAL GROWTH ON MY LEARNING AND KNOWLEDGE
CURVE.
Key Skills
o EXCELLENT LOGICAL AND ANALYTICAL SKILLS AND ADEPT IN GATHERING
RELEVANT INFORMATION TO ARRIVE AT LOGICAL DECISIONS.
o Strong organizational skills and ability to function independently and
as a team member, in a high pressure, deadline- driven environment.
o Excellent customer relationship management ability, effectively
resolving client issues.
o Strong communication, interpersonal, people management,
prioritization, workflow management and leadership skills.
o Result oriented & hard working with a quest and zeal to learn
o Extremely Proactive, incredibly Alert with an exceptional eye for
detail.
Professional Work Experience & Achievements With Key Highlights
V EMIRATES NBD
(June 2013 - Till present)
COMPANY PROFILE:
Emirates NBD, the leading banking group in the region was formed on
16th of October 2007 when the shares of Emirates NBD were officially
listed on the Dubai Financial Market (DFM). Emirates NBD is a market
leader across core business lines, it is the leading retail banking
franchise in the UAE, with over 141 branches and over 740 ATMs / Cash
Deposit Machines spread across the UAE. The Group is also a major
player in the corporate banking arena. With a fast growing Islamic
banking affiliated entities, strong investment and private banking
services and a leadership in the field of asset management products and
Brokerage services, Emirates NBD is well positioned to grow and deliver
outstanding value to its shareholders, customers, and employees.
Designation: Credit Analyst
Responsibility:
o Review a customer's application and full package of documents and audit
the file abiding by the policies and guidelines of the ENBD to determine
the feasibility of loan request and safeguard Bank's interest by ensuring
prudent lending. Ensure the file does not have any discrepancies or errors
which would make Bank loss.
o Review and analyze the risk involved in the loan file in order to
render an appropriate decision to approve or decline a loan.
o Ensuring the requirements of the customer, bank- quality and TAT - are
met and exceeded.
o Ensure achievement of goals set on a consistent basis. The goals would be
team as well as individual goals that are set on a Yearly/monthly/daily
basis.
o Grooming, coaching and mentoring reporting agents by monitoring the
performance and providing feedback on a regular basis- written and
oral
o Preparing formal reports for escalation to client's retail, whole sale
banking, Collections and compliance unit.
o Allocation of work, tracking / monitoring the progress and reporting
internally to Senior Management & externally to Client on regular basis
for further review to identify improvement points.
V TATA CONSULTANCY SERVICES
(April 2012 - 16 May2013)
COMPANY PROFILE:
Tata Consultancy Services Limited (TCS) is an Indian multinational
information technology (IT) services, business solutions and
outsourcing Services Company headquartered in Mumbai, Maharashtra. TCS
is a subsidiary of the Tata Group and is listed on the Bombay Stock
Exchange and the National Stock Exchange of India. It is one of India's
most valuable companies and is the largest India-based IT services
company by 2012 revenues.
Designation: Team Leader
Department: Underwriting.
Responsibility:
o Leading a team of Underwriters who review and analyze closed mortgage
loan files comprising of Collateral, Compliance and Appraisal
documents which support the original credit decision of the lender for
the secondary market investor.
o Besides handling a team I also do the Underwriting of mortgage loans,
primarily the audit of the Underwriter to ensure that the loan file
adheres to the Lenders and the Investors (Freddie Mac & Fannie Mae)
guidelines.
o Review full package of documents and audit the file abiding by the
policies and guidelines of the lender in order to sell the loan to the
investor. Ensure the file does not have any discrepancies or errors
which would make the loan un-saleable. Ensuring the requirements of
the client - quality and TAT - are met and exceeded.
o Ensure achievement of goals set on a consistent basis. The goals would be
team as well as individual goals that are set on a Yearly/monthly/daily
basis.
o Grooming, coaching and mentoring reporting agents by monitoring the
performance and providing feedback on a regular basis- written and
oral
o Preparing Unit Performance and Quality Monitoring Report
o Allocation of work, tracking / monitoring the progress and reporting
internally to Senior Management & externally to Client on regular basis
for further review to identify improvement points.
o Successfully transitioned a new process within a span of 1 month by
coordinating with the onsite and training the offshore staff.
V AMERICAN HOME MORTGAGE SERVICES LTD.
(Dec 2010 -April 2012)
Designation: SME (Subject Matter Expert)/Underwriter
Department: Home Retention Fulfillment
Responsibilities
o Perform detailed review of the mortgage loan file to determine the
eligibility for modification of the loan per the lender and the
client's guidelines.
o Review and analyze the risk involved in the loan file in order to
render an appropriate decision to approve or decline a Modification.
o Joined the team as a Underwriting and was promoted as a Senior Quality
Assurance within a span of 8 months based on the superior performance.
o Training & Quality checking the work of different teams in the function
and providing effective feedback for improved performance.
o Communicating internally and externally & Handling transaction level
escalations and providing solutions to critical issues.
o Played a vital role in transitioning and stabilizing the Underwriting and
related functions.
o Commended for excellent working knowledge of the US Mortgage Industry
and high level of quality maintained throughout tenure.
o Preparing Standard Operating Procedures to facilitate smooth
functioning of process, ensuring conformance to Service Level
Agreements.
V ISG NOVASOFT TECHNOLOGIES LTD
Duration: April 2008 - Dec 2010
COMPANY PROFILE:
ISG Novasoft Technologies is a leading global Mortgage solutions
company positioned to transfer the mortgage lending space by
providing an end-to-end spectrum of mortgage solutions, advisory
services and outsourcing solutions. ISG Novasoft provides complete
Technology solutions, services and platform based Kpo through its
subsidiaries, mortgage Hub and gymnastic in USA.
GROWTH PATH IN ISG NOVASOFT TECHNOLGIES
April 2010 - December 2010 : Quality assurance
Nov 2008 - March 2010 : Underwriter
April 2008 - October 2008 : Monitoring
DEPARTMENT : Quality assurance
Designation : Senior Quality Assurant.
Responsibilities-
o Responsible for defining quality guidelines for various projects.
o Ensuring the accomplishments of set quality standards as per SLAs by
the team member.
o Overseeing the preparation of compliance documents to ensure adherence
to compliance.
o Supervising the quality as per set standards; conducting process
reviews to enable strict adherence to process parameters and systems.
o Authored several Quick Studies to help deliver consistent messaging
across department.
o Part of core software development group involved in building, designing
and deploying an Intranet for department to help operations execute their
roles better. Intranet replicated over other departments for efficiency.
Currently working on developing a standard CMS tool as part of enhancing
the system.
DEPARTMENT : Underwriter
Designation : Senior Analyst
Responsibilities
o Review and verify if the resolutions submitted by the loan resolution
department regarding the alternative payment plans for the customers
meet the investor guidelines.
o Select the best resolution for the customer to prevent the Foreclosure
of the property.
o Authorized to approve or deny the resolutions based on verification
results.
o Modify the defaulted loans after varying the correct Financials
position of the customer.
o Handling the team hurdles & updating the new changes in the processes.
o Coordinate the activities of the team with the manager to include work
flow monitoring, process improvement.
Department : Monitoring
Designation : Analyst
Responsibilities
o Checking for current senior lien holder status information such as
current, delinquent in foreclosure, bankruptcy and Loss Mitigation
status.
o Updating the Senior Lien holder status information with the current
data when senior lien information is greater than 90days old from the
credit bureau report.
o Interacting with the senior lien holders to get the current status
information of the loan and updating the database with the relevant
information.
o Interacting with the US attorneys to get the updates on foreclosure
and also Facilitate smooth flow of information and updating the
database whenever the relevant information received.
V OCWEN FINANCIAL SOLUTION LTD
COMPANY PROFILE:
Ocwen Financial Solutions Pvt. Ltd. is a U.S Based Mortgage-
Servicing Company which has developed its core competency in
servicing non-performing and Sub-prime loans through its indigenous
technology and skilled workforce.
DEPATMENT : Default Servicing
Designation : Associate
Responsibilities-
Working as a timeline foreclosure coordinator
o Monitoring 1200 plus FC files, which Requires Default resolution
through legal proceedings.
o Take important decisions regarding the Foreclosure proceedings keeping
in mind the best interest of the investors.
o Handling sensitive US Attorneys queries, problems and complaints.
o Interacting with the US attorneys to get the updates and also
Facilitate smooth flow of information and updating the database
whenever the relevant information received.
o Preparing the documents like affidavit of debt, Substitute of trustee.
o Following up with the Attorney on those loans which are in Foreclosure
in order to complete the FC Events before the Freddie Mac Timeline.
o Coordinate the activities of the team with the manager to include work
flow monitoring, process improvement.
o Handling the team hurdles & updating the new changes in the processes.
o Preparing a daily reports for my entire team.
o QC'ing the work of some of the new team members.
o Member of filtering team, filter out those loans which have exceeded
the foreclosure Freddie Mac timeline.
training/Courses Attended
o "TRAIN THE TRAINER", "BASIC SUPERVISORY TRAINING" & "BASIC MANAGEMENT
TRAINING - GLOBAL MANAGER'S TOOL KIT" COURSE HELD AT ISG NOVASOST
TECHNOLOGIES LTD.
Project Undertaken
o SIX SIGMA LITE PROJECT FOR IMPROVING QUALITY.
o Process Complexity Model.
Achievements:
o SUCCESSFULLY TRANSITIONED UNDERWRITING PROCESS.
o Best Leadership Quality & Ability Award by Client.
o Trained over 50 staff in the mortgage process.
o Process expert and the SME for the function handled.
Technical skills:
OPERATING SYSTEMS : WINDOWS 9X/2000/XP/VISTA
Office Tools : Ms Office
Languages : Oracle SQL/PLSQL.
Database Administration: Oracle 10g. 2009 - 2010 - from NIIT Bangalore
Have good knowledge of Oracle 10g arc, Installation, Maintenance &
Configuration of databases, Backup using Import and Export, Familiar with
Tablespaces Management, User Management. Knowledge in ASM, Creation of
Tablespaces, database security imposition by creation and granting of roles
and privileges, Knowledge of Oracle Enterprise Manager (OEM).
Academic Profile
MSC. BANGALORE UNIVERSITY (2004-
2006)
Bsc Kashmir university. (2001-2004)
PUC &12th Jammu & Kashmir Board (1997-1999)
10th Jammu & Kashmir Board. (1996-1997)
Additional Qualification:
(PGDCA) POST GRADUATION DIPLOMA IN COMPUTER APPLICATIONS FROM NETSHEEL
COMPUTER AND ELECTRONICS SOCIETY OF INDIA (A REGD. BODY IN GOVT. OF INDIA)
(2006-2008)
Diploma in Electrician from Industrial training institute (ITI) (1999-
2001)
Personal profile:
o NAME: WASEEM BASHIR
o D.O.B: 30-04-1980
o Nationality: Indian.
o Passport No. H0815893
o Languages Known: English, Urdu, Hindi, and Arabic.
Declaration:
I hereby declare that the information furnished above is true to
the best of my knowledge.
Place: New Delhi
Date:
Signature[pic]
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