Anissha K S
Credit Assessment Officer @ANZ
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WORK HISTORY
Credit Assessment Officer @ANZ
Bangalore, IN
Experience in Home Loan underwriting and Credit Assessment. Analyze credit data and financial statements to assess risk in lending decisions. Provide support and feedback to team members on underwriting risks and application issues. Conduct thorough creditworthiness assessments using Mortgage Credit Requirements. Handle escalations, resolve customer issues, and manage deadlines effectively. Strong understanding of financials and ratio application for decision-making. Ensure timely and customer-centric actions within agreed SLAs. Structure loans effectively in collaboration with Mobile Lenders/Brokers. Conduct comprehensive evaluations of the 5 Cs of underwriting. Approve loans within limits; refer higher-risk applications to senior credit officers.Achievements- Successfully managed a discretionary credit limit of AUD $2.25 million, showcasing my trusted authority in making credit decisions for both new and existing customers- Recognized as Employee of the Month for consistently delivering outstanding performance in loan assessment and underwriting- Received client appreciation from Australian brokers for effectively managing escalations and ensuring high client satisfaction.
EDUCATION
Happy Valley Business School, Coimbatore
Master of Business Administration
PSGR Krishnammal College for Women
B.com
ABOUT ANISSHA K S
Hello! I am Anissha K S, a detail-oriented professional with over 2 years of experience in the Financial Services sector, specializing in credit assessment and risk management within the retail banking industry. Currently, I serve as a Credit Assessment Officer at ANZ Support Services, where I conduct comprehensive evaluations of loan applications while ensuring compliance with established lending standards. My expertise lies in analyzing financial statements and implementing effective risk mitigation strategies, which has significantly enhanced my professional profile.Throughout my career, I have developed strong leadership skills and a collaborative approach, promoting teamwork to improve underwriting processes and address complex issues. I have been recognized for my outstanding performance in credit assessments, which has led to increased client satisfaction and operational efficiency. I am proficient in utilizing financial analysis tools to assess credit scores and lending ratios, enabling informed decision-making. I am excited to leverage my skills in credit analysis and financial planning to contribute to future opportunities.Key Achievements- Managed a discretionary credit limit of AUD $2.25 million, demonstrating trusted authority in credit decision-making- Awarded Employee of the Month for exceptional performance in loan assessment and underwriting- Received commendations from Australian brokers for effectively managing escalations and ensuring high client satisfaction.
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