Mridula Belliappa Nan
Underwriter For Internal Automotive Leasing And Personal Loan Applicants
DUBAI
Summary
Seeking a position where I can broaden my career by providing my excellence in people management, leadership, controlling, organizing, setting objectives, guiding, accomplishing goals, evaluating performances, identifying development needs and motivating staff thereby, creating more avenues of growth for me and the organization. SUMMARY OF COMPETENCIES, ETIQUETTES AND QUALIFICATIONS Acquired well developed conceptual, interpersonal and negotiation skills to translate ideas in to reality. Experience in the industries of Banking, sales and Human Resources with a proven panache to head hunt, motivate and achieve team goals in liaison with the organization’s terms and conditions. Ingenious organizer and an efficient communicator with the ability to project, elicit interest, enthusiasm and energy in the organization by using a common sense approach.
Overview
14
14
years of professional experience
1
1
Language
Work History
Underwriting Officer
Al Futtaim Auto Finance
Dubai
03.2021 - Current
- Calculated group and individual renewal rates based on customers background, industry and demographic information.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Underwrite auto loans for Corporate and SME customer based on client requirements in accordance with the central bank laws and In-house finance policies
- Underwrite Personal loans for Automotive customer based on their Down payment requirements
- Place loan application to banks for automotive clients and Liaise between bank representatives, and Business managers to get loans approved with the best Rate of Interest in the marke
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Participated in team-building activities to enhance working relationships.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Hub Specialist
Al Futtaim Auto Finance
Dubai
01.2016 - 03.2021
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Explained very technical financial information to applicants in easy to understand language.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Proactively identified solutions for customers experiencing credit issues.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Improved operations through consistent hard work and dedication.
Operations SpecialistCconsumer Finance
Al Futtaim Auto Finance
Dubai
02.2014 - 01.2016
- Operations (Auto Finance and Inhouse Loans)_____________________________________
- Ensuring effective communication with the customers and confidentiality while maintaining the database
- Give logical inputs for effective business solutions and to ensure cover at all times and stay flexible to accommodate the business needs of the department
- Exploring new initiatives to provide better service and taking decision during difficult situations
- Preparing daily and monthly MIS with MS Excel and administrative support for all data entry on daily basis
- Design and negotiate financial solutions and demonstrate relevant effective measures and time management
- Establish objectives and strategies in regard to operational structure and competitive rates from different Finance comapnies
- Worked with lease team to issue agreements based on customer credit profile in accordance with the central bank laws.
Finance Advisor (Automotive)
Standard Chartered Bank
Dubai
01.2013 - 02.2014
- Auto Loans)________________________________________
- Providing Auto loans to Applicants
- Liaise with the F&I department from showrooms and the bank
- Advise customers with the current bank policies before applying Auto loan
- Computation of finance rates and EMI
- Advising clients on different modes of payments
- Scrutinizing customers documents to qualify for loans
- Verify customers bank statements and Debt Rate Burden to avail loan
- Verify all documents and view originals to avoid fraudulence
- Study the market, for offers from competitive banks and advice applicants accordingly
- Involving in all aspects of business growth
- Achieving Monthly targets within the stipulated month
- Retain customer and gain referrals from them
- Building rapport with the sales executive and the business managers from Showrooms
- Cross sell products like credit cards, account opening and Insurance to Auto loan applicants
- Ensure both the showrooms and the customers receive LPO and mortgage papers on time
- Comply and adhere with bank policy
Senior HR Analyst
Accenture India Private Limited
Bangalore
07.2007 - 06.2011
- Accenture HR Services)________________________
- Filtering applicants from various job portals like Monster, Naukri.com, Times jobs.com through internet
- Headhunt for candidates
- Screening CV’s of the applicants in accordance to the job requirements and book applicants for the assessments/interviews
- Short listing suitable applicants and contacting the applicants for further screening through telephonic interview
- Close telephonic interaction with applicants regarding interviews, inductions, references and other general queries
- Generating contracts and offer letters for applicants
- Issuing, Induction Invitations and Reference Requests
- Receive, collate and review general references
- Sending out references for the applicants who get through interviews.
Education
Bachelor of Commerce (B.Com) - Marketing
Bangalore University, Jyoti Nivas College
Pre- University - Commerce
CSBA - undefined
St Agnes PU College
Higher Secondary - undefined
Nirmala Convent Mysore
Skills
COMPUTER KNOWLEDGEundefined
Additional Information
- Passport No: , G4883347 Driving License: Posses a valid UAE Drivers License
Timeline
Underwriting Officer
Al Futtaim Auto Finance
03.2021 - Current
Hub Specialist
Al Futtaim Auto Finance
01.2016 - 03.2021
Operations SpecialistCconsumer Finance
Al Futtaim Auto Finance
02.2014 - 01.2016
Finance Advisor (Automotive)
Standard Chartered Bank
01.2013 - 02.2014
Senior HR Analyst
Accenture India Private Limited
07.2007 - 06.2011
Bachelor of Commerce (B.Com) - Marketing
Bangalore University, Jyoti Nivas College
Pre- University - Commerce
CSBA - undefined
St Agnes PU College
Higher Secondary - undefined
Nirmala Convent Mysore
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