Mukesh Tengli profile photo 1 on Tal

Mukesh Tengli

credit underwriter at veritas finance ltd

Bengaluru

7+ years of work experience

Veritas Finance Limited
Oct 20241 yr 8 mosPresent

Kalaburagi, Karnataka, India

Veritas Finance
Oct 20241 yr 8 mosPresent

Client & Application Assessment • Review and analyse client loan applications (fact finds, supporting documents) to assess serviceability and borrowing capacity as per lender/internal credit policy. • Scrutinise income documents including payslips, bank statements, tax returns, and rental statements to identify red flags, inconsistencies, or missing information. • Calculate income-to-debt ratios, loan-to-value (LTV) ratios, and other relevant serviceability metrics to determine borrowing eligibility. • Conduct preliminary checks on applicant credit history, repayment capacity, financial stability, and collateral value for secured loans. Loan Structuring & Policy Interpretation • Interpret and apply lender credit policies, product guidelines, and servicing calculators to recommend suitable loan structures including fixed/variable, interest-only, split loans, and refinance scenarios. • Approve, modify, or decline loan applications; recommend loan amounts, interest rates, tenure, and repayment conditions in line with regulatory and internal guidelines. • Apply relevant lending guidelines, internal credit policies, and RBI/local regulatory norms throughout the underwriting process. Pipeline Tracking & Compliance • Track loan applications from submission through conditional approval, formal approval, and settlement, ensuring all conditions are met within required timeframes and SLAs. • Maintain accurate and timely updates in loan origination systems (LOS), credit scoring tools, and lender portals. • Maintain accurate records of underwriting decisions and prepare detailed reports for audit and compliance review. • Ensure all documentation complies with internal credit policies and applicable regulatory norms. Stakeholder Communication & Support • Liaise with loan officers, sales teams, branch managers, and credit analysts via email, CRM notes, and phone to obtain missing information, clarify discrepancies, and provide file status updates. • Communicate and
Annapurna Finance Pvt Ltd, Kalaburagi
Jul 20231 yr 3 mosSep 2024

• Conducted internal audits of loan and financial records to ensure accuracy, completeness, and compliance with company policies and regulatory standards. • Identified discrepancies and red flags in financial documentation; escalated findings and recommended corrective actions. • Verified supporting documents and maintained audit trails for credit and operational processes. • Prepared detailed audit reports for management and compliance review.
MP & Associates
Mar 20203 yrs 1 moMar 2023

• Prepared accurate financial reports, tax filings (GST), and handled bookkeeping duties for multiple clients. • Answered complex financial queries and provided support to senior accountants in financial analysis and compliance. • Maintained client records using Tally ERP-9 and MS Excel; developed proficiency in data entry, reconciliation, and financial reporting.
Delhivery
Feb 20193 yrs 10 mosNov 2022

Mumbai Metropolitan Region

Education

JAIN College

Master in business administration, AVIATION

JAIN College

20142 yrs2016

bachelor of business management, Finance and Financial Management Services

gurukul college of management

20114 yrs2015

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Headline

credit underwriter at veritas finance ltd

About

As a credit underwriter , I am committed to upholding the integrity of financial operations and providing recommendations for continuous improvement. I am passionate about staying up-to-date with evolving industry standards and emerging technologies to ensure audits are conducted efficiently and effectively.

Location

Bengaluru

Work experience

Credit Underwriter at Veritas Finance Limited, Oct 2024 - Present · 1 yr 8 mos, Kalaburagi, Karnataka, India

Branch Credit Manager at Veritas Finance, Oct 2024 - Present · 1 yr 8 mos, Client & Application Assessment • Review and analyse client loan applications (fact finds, supporting documents) to assess serviceability and borrowing capacity as per lender/internal credit policy. • Scrutinise income documents including payslips, bank statements, tax returns, and rental statements to identify red flags, inconsistencies, or missing information. • Calculate income-to-debt ratios, loan-to-value (LTV) ratios, and other relevant serviceability metrics to determine borrowing eligibility. • Conduct preliminary checks on applicant credit history, repayment capacity, financial stability, and collateral value for secured loans. Loan Structuring & Policy Interpretation • Interpret and apply lender credit policies, product guidelines, and servicing calculators to recommend suitable loan structures including fixed/variable, interest-only, split loans, and refinance scenarios. • Approve, modify, or decline loan applications; recommend loan amounts, interest rates, tenure, and repayment conditions in line with regulatory and internal guidelines. • Apply relevant lending guidelines, internal credit policies, and RBI/local regulatory norms throughout the underwriting process. Pipeline Tracking & Compliance • Track loan applications from submission through conditional approval, formal approval, and settlement, ensuring all conditions are met within required timeframes and SLAs. • Maintain accurate and timely updates in loan origination systems (LOS), credit scoring tools, and lender portals. • Maintain accurate records of underwriting decisions and prepare detailed reports for audit and compliance review. • Ensure all documentation complies with internal credit policies and applicable regulatory norms. Stakeholder Communication & Support • Liaise with loan officers, sales teams, branch managers, and credit analysts via email, CRM notes, and phone to obtain missing information, clarify discrepancies, and provide file status updates. • Communicate and

Audit Executive at Annapurna Finance Pvt Ltd, Kalaburagi, Jul 2023 - Sep 2024 · 1 yr 3 mos, • Conducted internal audits of loan and financial records to ensure accuracy, completeness, and compliance with company policies and regulatory standards. • Identified discrepancies and red flags in financial documentation; escalated findings and recommended corrective actions. • Verified supporting documents and maintained audit trails for credit and operational processes. • Prepared detailed audit reports for management and compliance review.

Tax Assistant at MP & Associates, Mar 2020 - Mar 2023 · 3 yrs 1 mo, • Prepared accurate financial reports, tax filings (GST), and handled bookkeeping duties for multiple clients. • Answered complex financial queries and provided support to senior accountants in financial analysis and compliance. • Maintained client records using Tally ERP-9 and MS Excel; developed proficiency in data entry, reconciliation, and financial reporting.

Business Development Manager at Delhivery, Feb 2019 - Nov 2022 · 3 yrs 10 mos, Mumbai Metropolitan Region

Education

Master in business administration, AVIATION, JAIN College

bachelor of business management, Finance and Financial Management Services, gurukul college of management