Nupur Joshi
senior analyst , mortgage underwriter, reconciliation and documentation specialist
- Role
- Senior Analyst at Barclays
- Location
- Pune, MH, IN
- LinkedIn followers
- 500 followers
About Nupur Joshi
Experienced professional with a strong background in auditing and reporting. Specialized in US mortgage regulations. Completed the 1st group of the CS Executive Program and holds a B.Com LLB degree from SRTMU Nanded. Possesses in-depth knowledge of capital markets and security laws. Seeking a rewarding work opportunity in a reputable organization that offers a good work environment. Particularly interested in a position that allows for remote work options. Keen to contribute my skills and expertise to the success of the company. Open to taking on new challenges and staying updated with the latest industry trends. Willing to relocate if required.
Experience
Senior Analyst
Feb 2024 — Present · Pune, IN
Assessed and underwrote residential mortgage applications in line with Barclays credit policy, FCA regulations, and UK mortgage lending standards.Analysed customer financial profiles including income, employment, credit history, bank statements, liabilities, and expenditure to determine affordability and risk.Reviewed and validated supporting documentation such as payslips, tax calculations, SA302s, bank statements, and proof of deposit/source of funds.Conducted detailed credit risk assessments, identifying potential risks and applying appropriate lending decisions or conditions.Ensured compliance with AML, KYC, fraud prevention, and regulatory requirements throughout the underwriting process.Liaised with brokers, customers, solicitors, valuers, and internal stakeholders to resolve queries and progress cases efficiently.Reviewed property valuations and survey reports, assessing property suitability and market risk.Issued mortgage offers, declines, or referrals with clear rationale and documented audit trails.Maintained high quality standards while meeting SLAs, productivity targets, and turnaround times.Supported continuous improvement by identifying process gaps and contributing to underwriting best practices.
Education
Pratibha Niketan Mahavidyalaya,Nanded
Bachelor of Commerce - BCom, Business/Commerce, General
2011 — 2014
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