VIJAYA KOTHALE,

Mobile No-91+951*******.

Email adfxiq@r.postjobfree.com .

Link - https://www.linkedin.com/in/vijay-kothale-jain-40109a28. OBJECTIVE-

Holding Masters Degree in Finance and 7+years of experience In Mortgage Backed Securities Industry(Underwriter), pursued the certification of Investment Banking and Operation to make a leap into the Global-market. Recognized and awarded for meeting deadlines and excellent client management. An individual who has the confidence and ability to set a goal in to a new environment, keep the learning curve open and strive relentlessly contribute the best. With the experience in Finance and a keen inclination to numbers I have-equipped myself to carve a niche in the Mortgage Banking Operations.

CERTIFICATION-

IMARTICUS LEARNING (CIBOP) COURSE. 2015 (Certified Investment Banking Operation and Professional)

Securities and Derivatives.

End to end trade life cycle of listed and OTC products.

Functioning of clearing and settlement systems.

Risk Management.

Asset management.

Credit analysis.

SIX SIGMA YELLOW BELT PROJECT FROM INFOSYS BPO LTD. WORK EXPERIENCE-

Ambit Finvest Pvt Ltd.

Branch Credit Manager -Feb -2019 to Till date.

Role - I access credit worthiness of Clients based on financial(P&L,B/S & CF), business feasibility, existing customer relationship, operating bank statement, Credit report, feedback from market etc. I also have client interface to understand management and business risk and preparation of high value notes, PDD management, Control measures as per policy (Deviation analysis). I also recommend credit proposals to higher authorities with merits, concerns and risk involvement after personal visit.

Dewan Housing Finance Corporation Limited.

Credit Manager. September-6th 2018 to Feb -2019.

Fullerton India credit limited.

(Assistant Risk and Credit Manager)August 2017 to August 30th 2018. INFOSYS BPO LTD - September 2015 to July 2017.

Process Specialist (Underwriter Quality controller) Client –Selected Portfolio Services. USA Mortgage credit underwriter specialist. OCWEN FINANCIAL CORPORATION - January 2013 to September 2015. Loss-Mitigation underwriter process. USA Mortgage credit verification associate. Functional Responsibilities.(5Cs of underwriting)

Review credit applications, credit reports (CIBIL), calculate applicable ratios (i.e. Debt ratios, loan-to-value) evaluate borrower circumstances and determine loan decision based on policies and guidelines.

Analyze current financial position of member to determine the degree of risk involved in extending credit within policy or make a recommendation to credit committee.

Co-ordinate with legal, technical, FI and Risk Containment Unit agency for processing the file / docket.

Manage post disbursement documents and partly disbursed cases.

Responsible for TAT of delivering sanction letter and disbursement.

Training of CPA / DMA / DME.

Manage the entire credit application process, right from login to disbursement.

Manage quality of portfolio.

Foster a positive productive role towards building relationships with dealers and other third parties, in person and on the phone

Participate in quality control of loan files, verify accuracy of documentation, and assist funding with collecting pending conditional items as needed.

Thoroughly understand loan policies, procedures and guidelines and keep informed of current trends in consumer credit.

ACADEMIC CREDENTIALS-

MBA in Finance

Bangalore University - Bangalore, KA.

2012, 62%.

Bachelor of commerce

Karnataka University Dharwad - Dharwad, KA.

2009, 58.5%.

TECHNICAL SKILLS-

Ms, Office. (WSS) Wall Street System.

Advanced in Soft skills corporate Training.

Familiar with Advance Excel.

Typing Speed of 30 WPM with 90% Accuracy

I hereby Declare that the information furnished above correctly describe my qualification my Experience and me.

Date: (Vijaya Kothale)

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