+91-790*******

Pune, India

Sonali Rai

Banking & Finance Specialist

adyj5h@r.postjobfree.com

Areas of Expertise

/in/sonali-rai-43baa7137

Professional Career

Working with the Pre-Risk Analysis Team in determining credit worthiness and risk associated with borrowers based on credit profile. Maintained meticulous attention to detail in Underwriting Mortgages to correctly identify borrowers' repayment capacity.

Defining Strategy to balance the need for loan -volume growth with optimum underwriting quality to minimize risk while maximizing profitability. Gained extensive experience in underwriting FHA Loans. Performed Asset Analysis, Risk Assessment, Loan to Value Ratios, Debt to Income Ratios, & Quality Control Reviews & provided feedback to improve the quality of the loan files.

Calculating Income sources of the Borrower (including wage, self-employed, rental or non-employment income) & assets with analytics on Lending Risk Assessment along with the decision on whether to provide a loan or not. Incorporating the Finance Analytics, Risk Assessment & Credibility of the borrower to pay back the loan.

Analyzed, tracked & prepare Risk Indicator Reports on a monthly basis capturing errors, self-identified issues, client complaints, etc. Maintaining a list of all regulatory required Pre-Risk Assessments and ensuring they are maintained and are up-to-date.

Identifying key Risk Indicators & Metrics, developing key metrics, enhancing reporting, and identify new areas of analytic focus to better capture any risks. XL Dynamics Private Limited Associate Analyst

Dec'20- Sept'22 Pune

Key Deliverables

Professional with expertise in the Pre-Risk & Risk Assessment including Finance Analysis Management

and delivering the apt solutions with an analytical & driven mindset to administer corporate results at all costs. With prompt corporate expertise, now seeking

opportunities in a highly challenging corporate with a Strategic Vision to deliver the organisation with

accountability measures and ardent goals. Looking

forward to enhancing my expertise in Banking & Finance domain as new opportunities in the corporate sector will enhance my experience.

Professional Synopsis

Audit Management

Accounting Management

Finance Analysis

Pre-Risk Analysis

Audit Analysis

Underwriting Management

Finance Risk Mitigation

Financial Statement Analysis

Banking Management

Corporate Banking

Microsoft Excel

ACADEMICS

Master Of Business Administration

Banking & Financial Services

Ajeenkya D. Y. Patil (Timespro) University '21 8.34 CGPA Bachelor of Business Administration

Banasthali University '18 68%

CERTIFICATIONS

Equity Derivative (NISM VIII)

National Institute of Securities Markets

Securities Operations & Risk Management (NISM VII) National Institute of Securities Markets

Mutual Distributor National Institute of Securities Markets Corporate Valuation WallStreetMojo

Investment Banking WallStreetMojo

Projects

Visited SBI & HDFC Banks & incubated Loan Processing Knowledge. Incorporated learnings on Time, Team & Money Management. Endured Insurance Products Learnings.

SBI & HDFC Bank Visits Under Diploma Program

1 Day Program Team Size: 7

Business Baazigar Under Diploma Program

1 Day Program Team Size: 6

IDBI Federal Life Insurance Ltd 45 Days Project

Assessment of Service Quality Delivered To Customers

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