RESUME

S.MUTHULAKSHMI

Phone: +** - 948-***-****

+91 - 893-***-****

E-mail: ade7hc@r.postjobfree.com

Address: D/O K. SAKTHIVEL

No 156, Sabapathy Mudhaliyar

Street, Kanji Village,

Tiruvannamalai District,

Tamil Nadu - 600 702.

OBJECTIVES:

To consistently perform as a responsible, knowledgeable and reliable team player, working towards organizations visions and goals.

To perceive a career in a renewed firm to associate myself with an organization that gives me a chance to update my knowledge and skills.

SCHOLASTIC PROFILE:

Course

Name of the Institution

Board/

affiliated

University

Percentage/

Grade

Year of

passing

LLB

Chennai Dr.Ambedkhar

Government Law

College, Thiruvallur.

Tamilnadu

Dr.Ambedhkar

Law University,

Chennai

Yet to write FS

Exams

(As of now 65% )

Pursuing

2020

MBA

(Financial

Management)

Loyola college, Chennai

PULC

(Distance

Education)

67%

2015

BBA

Auxilium College,

Vellore

Thiruvalluvar

University,

Vellore.

83%

2010

HSC

Government Higher

Secondary School, Kanji

Village

State Board

62%

2007

SSLC

Government Girls higher

Secondary School Kanji

Village

State Board

75%

2005

PROFESSIONAL WORK EXPERIENCE ON 8.4 YEARS:

Accenture Chennai, TN April 2011 - August 2019.

JOB PROFILE: Jan 2014 to August 2019

Designation: Transaction Processing Analyst and Subject Matter Expert 1. Proficient in managing all aspects of Credit Underwriting Operations, Risk Management Operations and Client Relationship Management.

2. Certified in New Money Loan Origination, Pre underwriting and underwriting apart from Review/Renewal of existing Loans.

3. Certified in Pre Underwriting process in Review/Renewal of existing Loans. NATURE OF WORK:

Managing loan origination, Pre Underwriting, Underwriting, Pre foreclosure and default claims activities related to the banks in US.

Conducting annual review/renewal/re-affirmation of loans which includes term loan, line of credit, letter of credit & commercial real estate mortgage for business entities, not for profit organizations & religious organizations.

Underwriting loans by analyzing borrower’s audited financials, business tax return, personal tax return, personal financial statements to reduce the credit risk, by making use of the Moody’s Risk Analyst (MRA).

Analyzing financial ratios along with guarantor analysis and collateral analysis.

Quality Checking of the Prepared Global Debt Service Coverage Ratio (GDSCR), Personal Debt Service Coverage Ratio and Contractor Worksheet by obtaining data from the borrower’s financial statement and credit reports.

Ensuring TAT compliance and encouraging the team to deliver the work on or before TAT.

Interacting with the clients for understanding their expectations and encouraging the team for implementing required changes based on the feedback given by the client.

● Working towards client’s satisfaction is the ultimate goal. JOB PROFILE: Associate and Senior Associate April 2011 to Dec 2013 1. US Mortgagee Residential and Commercial loans Insurance coverage Tracking and Monitoring as per US Bank Policy and Procedures.

2. Insurance Bill passing to distribute money from the borrower insurance escrow account to insurance carrier or insurance agent, in order to pay the premium of the property. 3. Assigning Insurance Analyst: Generating report for the newly boarded loans and loans without insurance contact and assigning insurance contacts for those loans according to the client specified category.

Team Handling Roles and Responsibilities from April 2014 to August 2019

Managing loan origination, Pre Underwriting, Underwriting, Pre foreclosure and default claims activities related to the banks in US.

Managing Commercial Banking Insurance sector for one of the leading US banks. Need to determine the Flood Insurance, Hazard Insurance and overall monitoring the Collateral for Commercial Clients as well as small business clients.

Perform detailed analysis of Insurance policies of borrower and determining the requirements per the US banks regulatory requirements

Collaborate with the underwriters and relationship managers for commercial and Residential loans.

Managing Service Level Agreement targets in terms of Turn Around and Accuracy

Consistently monitoring team’s performance against the SLA and motivating team members to achieve the desired targets

Identify training needs of the team and conduct refresher training to enhance the domain skills and ensuring sustainability

Responsible for Updating SOP’s; Handling update Tracker, Handling MIS reports, Client Communication, Operational Excellence; Periodical AHT validation & People Management

Providing training to new hires on quality and conduct remedial training as & when required

Initiating of the GREEN STAR for improvement of Quality & Productivity of the team

Updating FCR and provide with necessary reports for the management and team. CERTIFICATIONS:

DCA (Diploma in Computer Application) - Ms Office, Tally Basics.

Participated in Commercial Credit Academy course in Accenture.

Participated in National level Moot Competition Organized by SRM College. STRENGTHS:

Good communication and interpersonal skills.

Ready to take responsibilities.

Attention to details and quick learner

ACADAMIC PROJECTS:

A Study on inventory management with reference to AVR manufacturers HRM - Quality Work Life of the employee.

INDUSTRIAL TRAININGS:

Integrate Village Development Project (IVDP) organization from 23/12/2008 to 06/01/2009. During this period, I have intensively involved in IVDP Administration, Self Help Group, Sanitation and Educational activities.

Madras High Court Visit to observation of Chamber and Court proceedings from Feb 10, 2020 to March 10, 2020.

ACHIEVEMENTS AND EXTRA - CURRICULAR ACTIVITIES:

Holding "B" certificate in NCC, 2010

Secretary - Karate club (the best outgoing student in Karate), 2010

Participated in District level Athletic, 2008 - 2009.

Holding A’, "B" certificate in NSS, 2006 - 2007. PERSONAL PROFILE:

Name : S. Muthulakshmi

Father’s Name : K.Sakthivel

Mother’s Name : S.Santhi

Sex : Female

Marital Status : Single

Nationality : Indian

Mother tongue : Tamil

Languages known : English, Tamil (Familiarity in written and spoken language skills) Date of Birth : 25-06-1990

Permanent Resident : D/O K.Sakthivel, No.156, Sabapathimudhaliyar Street, Kanji Village, Thiruvannamalai (DT)

Pin Code: 606 702.

DECLARATION

I hereby declare that the above-furnished details are true to the best of my knowledge and belief. Date: 04/08/2020

Place: Tiruvannamalai (S.Muthulakshmi)

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