Ambika S

Operations Associate

Gurugram, Haryana, India3 yrs 7 mos experience

Key Highlights

Expert in financial analysis and risk assessment.
Proven track record in mortgage compliance and loan origination.
Strong project management and client coordination skills.

Stackforce AI infers this person is a Fintech professional with strong expertise in financial analysis and mortgage compliance.

Contact

Skills

Core Skills

Financial AnalysisRisk AssessmentMortgage ComplianceLoan ReviewProject ManagementClient Coordination

Other Skills

AccountingAgile Project ManagementAnti-Money LaunderingClient RelationsClient ServicesCommunicationCorporate FinanceDefining project metricsEstimating project timelineFinancial Risk ManagementFinancial StatementsLoan OriginationMergers & Acquisitions (M&A)Microsoft ExcelMortgage Industry

Experience

Jll india

Asset Management

Mar 2022 – Jan 2024 · 1 yr 10 mos · Gurugram, Haryana, India · Hybrid

JLL is a fintech company that helps buy, build, occupy and invest in a variety of assets including industrial, commercial, retail, residential and hotel real estate. Roles and responsibilities included:
Analyzing and spreading the financial statements in client customized templates
Analysis of financial statements including Income statement, Balance Sheet & cash flow of commercial & residential properties for the credit appraisal process
Going through the supplementary schedules, notes for the detailed breakups and adjustments
Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures.
Calculating Custom Ratios and other financial metrics.
Screening the credit agreements and analyzing the financial covenants applicable to the borrower
Monitor Covenant compliance and reporting.
Conduct detailed quality checks of client deliverables.
Managing capacity, efficiency and accuracy of the process
Possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans.
Responsible for delivering deadlines and ability to work under pressure.
Part of Structured Finance Team for ABS (Asset Backed Securities), CMBS (Commercial Mortgage Backed Securities), RMBS (Residential Mortgage Backed Securities).

Financial StatementsFinancial AnalysisRisk AssessmentMortgage UnderwritingCorporate FinanceClient Relations+2

Better

Operations Analyst

Jul 2020 – Oct 2021 · 1 yr 3 mos · Gurugram, Haryana, India · Remote

Better Mortgage (BMTG Advisors) is a one - stop shop that aims to simplify the Mortgage Lending process for Financing and Refinancing. It aims to bring Agents, Borrowers and Lenders together and and ease the application closing process in the United States. Roles and responsibilities included:
Perform timely Pre-Funding Quality loan reviews for mortgage originations to assess the accuracy and integrity of the information used to support the lending decision and adherence to federal and state compliance requirements, policy, and procedures
Ensuring adherence to policies, guidelines & procedures as well as compliance regulations (TILA, RESPA) and credit guidelines as per the United States rules
Strong understanding of mortgage lending including operations and mortgage compliance-TRID
Thorough understanding of conventional (Fannie Mae, Freddie Mac - federally backed mortgage institutions) loans
Reviewing for accuracy in process and leased loan documents

Loan OriginationAnti-Money LaunderingMortgage IndustryClient ServicesMortgage ComplianceLoan Review

Rnf technologies

Research Analyst

Jul 2019 – Jan 2020 · 6 mos · Noida, Uttar Pradesh, India · On-site

Rnf Technologies provides IT services like Web App development and Maintenance, Mobile App Development & Maintenance, Staff Augmentation. Roles and responsibilities assigned:
Researching the leads
Understanding client requirements
Preparing proposals
Coordinating with internal and external resources for completion of projects and milestones
Estimating project timeline and budgeting
Defining project metrics
Defining the scope of IT projects