Hemamalini Periyasamy
Commercial Loan Underwriter | 3 yrs in Credit Analysis, Financial Spreading & Risk Mitigation | Banking Experience
- Role
- Underwritter at Ibusiness Software
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Hemamalini Periyasamy
I am a Commercial Loan Underwriter with 3+ years of experience in banking. Skilled in financial spreading, credit risk analysis, red flag mitigation, and compliance checks. Hands-on experience with Thunderwriter, Thunderfuel, Experian, and Dun & Bradstreet.
Experience
Underwritter
Dec 2024 — Present · Bangalore, IN
As a Commercial Loan Underwriter, I specialize in assessing business loan applications by performing thorough risk analysis and financial evaluation. My day-to-day responsibilities include reviewing red flag questions in Thunderfuel, requesting additional documentation as needed, and mitigating risks before proceeding with approval. I analyze financial statements, spread tax returns (income, assets, liabilities, equity), and assess DSCR and cash flow health.I also review Experian and Dun & Bradstreet credit reports, verify credit scores and derogatory marks, and check for loan approval restrictions. I validate business and personal documents, confirm SOS records, and ensure all compliance checks are complete. After detailed analysis, I prepare decision summaries and finalize loan approvals, ensuring high accuracy and regulatory alignment.
Education
PKR Arts College for Women
Bachelor's degree
2019 — 2022
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