Shraddha Khandelwal
Mortgage professional with expertise in underwriting for UK and US markets. Skilled in credit assessment, financial analysis, and process optimization for enhanced efficiency and compliance.
- Role
- Credit Officer at 汇丰
- Location
- Hyderabad, IN
- LinkedIn followers
- 500 followers
About Shraddha Khandelwal
With a MBA in Finance from Osmania University, I am a Credit Officer at HSBC, providing end-to-end loan processing services to clients in the financial sector. Dynamic professional with extensive experience in residential mortgage applications and fraud claims management across the UK and US regions. Adept at creditworthiness assessment, financial analysis, and underwriting support, ensuring compliance with industry regulations. Proven expertise in document review, the 4C\'s framework, credit report analysis, and financial calculations. Skilled in end-to-end loan processing, supervision, and training. Specialized in proactive fraud prevention and customer support excellence, handling complex tasks with effective communication and a proactive approach to resolving challenges. Known for making informed decisions, driving efficiency, and maintaining high standards of compliance. Ready to leverage diverse skills in a collaborative and innovative environment.
Experience
Credit Officer
Aug 2022 — Present
Working on Residential Mortgage Applications for UK region :• Creditworthiness Assessment: Evaluate residential purchase and re-mortgage finance applications for creditworthiness, ensuring adherence to company policies and regulations.• Financial Analysis: Thoroughly analyze financial information, credit histories, and property valuations, while verifying supporting documentation for accuracy and compliance.• Independent Decision-Making: Make independent decisions on loan acceptance and risk in accordance with company, and investor guidelines, providing final approval for mortgage loans.• Underwriting Support: Assist the underwriting team by preparing loan proposals, completing risk analysis reports, and generating accurate loan documentation in accordance with internal policies and regulatory guidelines.• Continuous Improvement and Compliance: Stay updated on mortgage lending regulations, industry trends, and underwriting policy changes to ensure compliance, while actively identifying opportunities to enhance efficiency and streamline processes.
Education
Osmania University
Bachelor's degree, Business/Commerce, General
2015 — 2018
Osmania University
Master of Business Administration - MBA, Finance, General
2018 — 2020
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