Risk and Investment Intern

• May 2023 - Present

Teaching Assistant

• Aug 2022 - Dec 2022

Assisted in teaching 150+ students and resolved queries for the subject “Introduction to Financial modeling” Graded Home-Works and assignments on topics including fixed income, capital budgeting and Bond valuation Assisted in teaching 150+ students and resolved queries for the subject “Introduction to Financial modeling” Graded Home-Works and assignments on topics including fixed income, capital budgeting and Bond valuation

Committee Chair

• May 2022 - Dec 2022

Organized networking events and skill-building workshops for finance students by collaborating with Quant clubs, Industry Professionals and Alumni to help students develop professional acumen Organized networking events and skill-building workshops for finance students by collaborating with Quant clubs, Industry Professionals and Alumni to help students develop professional acumen

Student Housing Inspector

• Jul 2022 - Aug 2022

Managed Front desk, package concierge services, third-party vendors and inventory for university housing Completed Pre-accommodation maintenance checkups and maintained a record of required maintenance Managed Front desk, package concierge services, third-party vendors and inventory for university housing Completed Pre-accommodation maintenance checkups and maintained a record of required maintenance

QC Associate

• Sep 2020 - Dec 2021

Developed Financial models using Excel Macro and VBA, incorporating firm’s risk profile to assess credit eligibility Achieved 70% reduction in salability issues and re-purchase rates on closed mortgages by reducing the error rate Trained new team members and Cross-trained experienced resources into different underwriting programs Completed Pre-close QC of Mortgage files underwritten as per non-QM investor, FNMA, FHLMC and FHA agency guidelines to make sure files are ready for sale in secondary market Created and maintained a consolidated source of information and SOPs for quick access by underwriters for FHA, VA, FNMA, FHLMC, USDA and Non-QM mortgage products Identified and eradicated process gaps and introduced cross-functional training programs for cross-training and skill addition of analysts Liaised with FHA, FNMA and FHLMC agencies regarding new underwriting scenarios shared by analysts and for clarification of existing guidelines in case of vague descriptions Completed Valuation and Cash flow analysis for business applicants to determine LTV ratios and qualifying income for credit qualification Show less

Sr Underwriter

• Aug 2019 - Aug 2020

Co-managed multiple underwriting projects assisting mortgage lenders in managing credit and compliance risk Achieved approval rate of 99.3% on mortgage applications while maintaining a 0.01% repurchase rate Performed real estate valuation using Cost, Income and Comparable approach to determine property values Performed financial analysis using income, equity and profitability ratios and planned out improvement projects Developed Pro-forma statements and completed Cash Flow analysis to determine repayment capability for business credit applicants Show less

Business Process Lead

• Feb 2018 - Jul 2019

Designed and updated credit policies for sound and effective decision-making on home-owner applications Managed a team of 11 analysts, maintained performance records and provided required training Attained a 99.8% quality approval rating for the team from mortgage lenders on outsourced projects Managed acquisition of 2 additional mortgage processes from client in efforts to develop a higher transaction amount in business relationship Achieved a 43% profit realization for the project while providing excellent quality service to mortgage clients Show less

Credit Risk Analyst

• Aug 2016 - Feb 2018

Analyzed financial statements of clients to assess the credit behavior to arrive at mortgage loan eligibility and calculate the insurance risk associated. Analyzed financial statement, configuring financial data and documents in the ERP system, performing various verifications to determine authenticity of data, detecting red-flags in financial documents, generating final agreements for execution. Undertook loss mitigation projects on the defaulted loans to ensure the borrower stays in their property Show less

Associate Analyst

• Jan 2015 - Apr 2016

Ensured compliance requirements on mortgage applications based on CFPB, HMDA, FDIC guidelines Co-managed migration from HUD-TILA to TRID in 2015 due to change in Federal policies Analyzed legal documents which includes the Preliminary report, to validate various judgments and liens, Disclosures, Insurance, Taxes and Credit report of the borrowers. Ensured compliance requirements on mortgage applications based on CFPB, HMDA, FDIC guidelines Co-managed migration from HUD-TILA to TRID in 2015 due to change in Federal policies Analyzed legal documents which includes the Preliminary report, to validate various judgments and liens, Disclosures, Insurance, Taxes and Credit report of the borrowers.