Virtual Administrative Assistant with 8+ Years in Mortgage Operations

Shikha Singh

Mob: +1-240-***-****

Email: *******.***********@*****.***

Address: **** ******* **, *** ****** MD 21774

LinkedIn profile: www.linkedin.com/in/shikha-singh-666464390 Summary

• Expertise in working within fast-paced, dynamic, and high-tech environments.

• Core competency in credit and operational functions within the financial sector.

• Skilled in underwriting and credit appraisal for salaried individuals, self-employed professionals, non- professionals, and corporate clients.

• Proficient in sanctioning loans, determining client eligibility, preparing approval and deviation notes, and overseeing the disbursement process.

• Experienced in handling customer inquiries and post-sales support, ensuring excellent service delivery and maintaining strong client relationships.

• Effective in coordinating with internal departments and external outsourcing agencies to ensure smooth operations.

EDUCATION

Bachelor of Education (B.ed.) 2011

University of Rajasthan, India

Masters in Commerce (M. Com.) (Accounts & Law) 2002- 2004 Dr. B. R. Ambedkar University, Agra, India

Bachelor in Commerce (B. COM ) 1999-2002

Dr. B. R. Ambedkar University, Agra, India

Intermediate (12th) 1999

Central Board of Secondary Education, India

Highschool (10th) 1997

Central Board of Secondary Education, India

IT SKILLS

• Tools: Smart sheet, Power Point, Excel, MS Project, word. PROFESSIONAL EXPERIENCE

India bulls Housing Finance Ltd. Mathura, UP, India October 2011 – April 2012

(Home Loan & Loan against property)

Profile: Credit Officer

Roles and Responsibilities:

• Ensure quality and consistency in credit appraisal across all loan segments.

• Conduct underwriting and credit appraisal for salaried individuals, self-employed professionals, non- professionals, and corporate clients while adhering to all credit processes and policy guidelines.

• Hold personal discussions with customers to understand their business model, cash flows, and loan purpose.

• Sanction loans and determine client eligibility based on financial assessment and risk parameters.

• Prepare approval and deviation notes summarizing customer profiles, market reputation, case strengths, and potential risks with appropriate mitigations.

• Review disbursement files to ensure compliance, collateral verification, and perfection.

• Develop and maintain various MIS reports to compare historical and current performance data, supporting target planning and decision-making (e.g., disbursal and login tracking).

• Handle customer queries and post-disbursement concerns, ensuring superior service quality and strong client relationships.

• Coordinate with internal departments and external outsourcing partners to deliver faster turnaround times (TAT).

• Collaborate directly with channel partners and the direct sales team to support efficient loan processing. IDBI Bank Ltd. Agra, UP, India May 2009 –Sept 2011

(Home Loan, Loan against property, Personal Loan, Education Loan & Auto Loan) Profile: Credit Processor & Analyst (CPA)

Roles and Responsibilities:

• Conduct credit appraisals for salaried individuals, self-employed professionals, non-professionals, and corporate clients based on financial and market parameters.

• Manage loan sanctioning and disbursement processes, including assessing client eligibility and ensuring policy compliance.

• Prepare approval and deviation notes outlining customer profiles, market reputation, case strengths, weaknesses, and risk mitigations.

• Develop and maintain MIS reports to analyze historical and current data, supporting performance tracking and future planning (e.g., disbursals and logins).

• Handle customer and post-disbursement queries, ensuring prompt resolution and maintaining strong client relationships.

• Coordinate with internal departments and external agencies to ensure efficient service delivery and minimize turnaround time (TAT).

ICICI HOME FINANCE, Agra, UP, India July 2004 – March 2009

(Loan against property)

Profile: Credit Processor & Analyst (CPA)

Roles and Responsibilities:

• Lead and manage three channel partners along with the Direct Sales Team (DST) for loan sanctioning and disbursement activities.

• Conduct creditworthiness assessments using various financial and credit analysis tools to accurately determine customer eligibility.

• Verify customer eligibility and recommend appropriate credit limits in compliance with policy guidelines.

• Prepare and maintain multiple MIS reports to analyze historical and current data, supporting business forecasting and target planning.

• Implement and improve policies and systems to enhance operational efficiency and client service quality.

• Coordinate with various supporting and outsourcing agencies to ensure smooth process flow and timely service delivery.

• Prepare deviation notes capturing customer profiles, market reputation, risk factors, and corresponding mitigants.

• Perform credit appraisals for salaried individuals, self-employed professionals, non-professionals, and corporate clients.

Contact this candidate