NANDITA GOSWAMI
Sydney,NSW
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
12
12
years of professional experience
Work History
Credit Analyst
Westpac
06.2022 - 12.2023
- Make informed decisions on whether to approve, deny, or conditionally approve mortgage applications based on income document provided by applicants, and the potential risk associated with the loan within policy
- Rollout of new credit assessment platform across Westpac/St George/ Bank SA /Bank of Melbourne brands
- Regular call outs to project team for process inefficiency and providing solutions
- Review Comprehensive Credit Reports, financial statements, and other relevant financial information to assess creditworthiness of the mortgage applicants
- Full assessment of average 7 applications per day including PAYG / SE – fast Track, bridging and Guarantor and more than two complex linked Applications
- Applying knowledge of products, packages and credit rules and coaching brokers as required on structuring a loan
- Ensuring audit and compliance requirements met to prevent banks’ exposure to unacceptable risk
- Troubleshooting any issues regarding the progress of loan and ensuring customer experience is a seamless process completing a customer certified process within all applications
- Ensuring review of short form and long form valuations with detailed analysis considering policy and bank norms
- Managed approximately 15 incoming calls, emails per day ensuring seamless communication with brokers, BDMs and other stakeholders via phone calls or emails in timely manner to ensure no delays in settlement or approval
- Excellent team player with excellent communication, out of the box thinking, strong policy knowledge and proper time management
- Managing credit risk and ensuring that all applications are assessed ensuring proper credit policies and guidelines are maintained and applied to appropriate decisions.
Agile Business Analyst and Financial Advisor
Funds India Limited
10.2014 - 11.2017
- Well versed in Fundamental and Technical Analysis of market trends and providing investment recommendations to clients
- Well experienced in using online investment platform to create and manage portfolio of customers
- Handled and nurtured team of 5, how to handle client queries, provide on time acknowledgement, keeping up to date on market events, portfolio bifurcation, financial planning, computations on varied financial calculations
- Managed and reviewed portfolio on quarterly basis for approximately 600 clienteles and handling their grievances
- Gathered business requirements by interviewing users, stakeholders and SMEs
- Identified process inefficiencies through gap analysis
- Reviewed and updated policies and procedures and communicated them to business partners
- Conducted UAT with cross functional business teams to ensure system was aligned with vision of business teams
- Acted as liaison between technical team, QA and business during coding and testing phase to ensure eventual acceptance of application reports
- Involved in daily stand-up meetings
- Identified and removed obstacles that will keep team from achieving their goals.
- Managed approximately 30 incoming calls and emails on daily basis for proper customer service.
Agile Business Analyst and Quality Analyst
S10 Health Solutions
07.2014 - 10.2014
- Interpreting stakeholders’ business needs and translating into actual practice
- Prepared high quality documentation for stakeholders and customers
- Communicating necessary changes and development to stakeholders in meetings
- Built trust and garnered respect from team members and stakeholders
- Developed user stories and acceptance criteria
- Participated in all aspects of agile cycle
- Worked on backlog refinement with product Owner
- Review various product features to determine its function and accessibility, evaluating how successful code is.
- Test specific product functions to ensure meet all expectations and fulfill specifications
- Create detailed reports of all found issues, including instructions to replicate them
- Interact with programmers and software developers to relay information about software development and issues
- Prepared testing estimates for each product feature testing
- Perform quality checks on incoming data with respect to business usage, presentation, integrity and accuracy.
Personal Banker and Branch Operation Manager
ICICI Bank Limited, India
09.2011 - 01.2013
- Assisted 500 mapped customers and others with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Cross-sold bank products and services to meet customer needs and provide options.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Spearhead team of 10 (Bank on roll staff) as Assistant Branch Manager.
Education
Post Graduate Diploma in Business Management (Finance and Marketing) -
Assam Institute of Management
India01.2011
Skills
- Retail Banking Operations
- Data Analysis
- Customer Services
- Communication
- Account Management
- Team Management
- Analytical and problem Solving
- Risk Management
- Grievance Management
- Microsoft office
- Quality Management
- Personal Banking
- Microsoft Excel
- KYC Assessment
- Risk Assessment
- Financial statement analysis
- Credit risk
- Credit analysis
References
References available upon request
Timeline
Credit Analyst
Westpac
06.2022 - 12.2023
Agile Business Analyst and Financial Advisor
Funds India Limited
10.2014 - 11.2017
Agile Business Analyst and Quality Analyst
S10 Health Solutions
07.2014 - 10.2014
Personal Banker and Branch Operation Manager
ICICI Bank Limited, India
09.2011 - 01.2013
Post Graduate Diploma in Business Management (Finance and Marketing) -
Assam Institute of Management
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