Janani M
Credit underwriter
Bengaluru
10+ years of work experience
May 20224 yrs 7 mosPresent
Chennai, Tamil Nadu, India
Requirement gathering and UAT testing for Salesforce loan origination system. Determining and documenting live underwriting conditions, communications, requirements. Recording and filing appropriate mortgage loan documentation. Checking eligibility criteria and analyzing 4’c process with accuracy. Appearing and qualifying all periodic process assessment in live underwriting. Calculating loan pay-off amounts and generate corresponding payoff letter & Default letter, emphasizing risk management. Maintaining up-to-date Borrower and Advisor profiles in Loan Management System. Processed loan disbursement document after live underwriting & sanctioning in LMS & salesforce. Confirming interest rates, closing costs are accurate during live underwriting. Recommending and approval of mortgage loans after reviewing loan applications.
May 20181 yr 11 mosMar 2020
Chennai, Tamil Nadu, India
Apr 20184 yrs 6 mosSep 2022
Recommending & Sanctioning home loans, LAP, Resale, BT for ticket size of (5lakhs - 99lakhs). Maintaining branch MIS, to track sales logins & disbursement reports on a daily basis. Monitoring CIBIL, Risk containment Unit (RCU) Field verification report in accordance with approval. Customer Relationship Management at the time of disbursement. Personal Discussion with the customer, generating reports before sanctioning the loan amount. Ensuring PDD (Post Disbursement Documents) are tracked on a regular basis. Determined write offs and processed loan waivers settlements within approval matrix. Confirming interest rates, closing costs are accurate during live underwriting. Conducting personal discussion with applicants generating documents in salesforce & LMS. Handled NACH presentation and published periodic MIS reports to business team.
Apr 20184 yrs 6 mosSep 2022
Sanctioned home loans, LAP, resale, and balance transfer (BT) deals in the ₹5 – ₹99 lakh range; managed full credit lifecycle from login and CAM preparation through credit committee presentation to disbursement. Computed FOIR, LTV, and DBR ratios; analysed P&L statements, ITRs, Form 16, and property documents to assess borrower creditworthiness and collateral adequacy. Conducted personal discussions (PD) with applicants and coordinated legal and technical verification of properties, reducing fraud incidence and post-disbursement NPA risk. Generated sector-wise MIS reports tracking login-to-sanction ratios, TAT performance, DPD trends, and NPA levels for risk and senior management review. Processed CERSAI charges, CKYC registrations, and loan waivers/settlements within the defined approval matrix; maintained zero AML/PMLA compliance lapses during tenure. Ensured accuracy of interest rates, closing costs, and sanction conditions during underwriting, eliminating post-sanction discrepancies and customer escalations.
Jun 20171 yrMay 2018
Chennai, Tamil Nadu, India
Apr 20162 yrsMar 2018
Worked as a Territory Manager at RO(Teynampet). Handling team of 15 tracking their daily sales report, emphasizing to achieve their given commitments. Recruiting, mentoring, training and development of the field functionaries to ensure the operational efficiency. Analyzing sales performance through supporting Credit team, studying CIBIL reports of customers, having personal discussion with the customers. Monitoring collection status after disbursement to the customers. Drove business and ensured sustained growth, focused on achieving/surpassing sales targets; expanded business reach and created new sales/leads opportunities.
Janani’s AI Stack
Education
Master of Business Administration, Human Resources Management/Personnel Administration, General
Velammal Institute Of Technology
20142 yrs2016
12th (HSC)
Velammal Educational Trust
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