Swetha Yeddula
Melbourne,FL
Summary
MBA Finance Professional with 5 years of experience in Credit Analysis, Mortgage Loans, and Banking Operations. Adept at processing small business credit requests and executing the mortgage loan origination process, including credit report analysis, documentation review, and independent credit recommendations.
Overview
10
10
years of professional experience
Work History
Commercial Credit Analyst
Creditfax Risk Management Company
03.2021 - 06.2022
- Credit Risk Assessment: Conducted thorough research and analysis of at least 7 credit evaluation applications to evaluate small business credit risks, reviewing credit histories to make informed decisions on extending or denying credit to potential borrowers.
- Stakeholder Communication: Engaged with suppliers and financial institutions to gather and verify payment history, assessing borrowers’ creditworthiness and supporting credit decisions.
- Borrowers Financial Review: Analyzed and interpreted financial data of borrowers from various institutions to assist with credit risk assessments and develop comprehensive credit evaluations.
- Reporting & Recommendations: Presented detailed analysis and recommendations to senior management, focusing on borrowers’ repayment capabilities and potential credit risks.
- Customer Relationship Management: Fostered strong customer relationships through effective communication and timely responses.
- Internal Policy Compliance: Adhered to internal policies to ensure compliance in all credit-related activities, contributing to overall operational integrity.
- Risk Mitigation: Identified high-risk borrowers and provided strategic recommendations to customers to mitigate potential losses, enhancing the customer’s risk management strategies.
Financial Services Representative
GateStone & Co.
11.2020 - 02.2021
- Repayment Negotiation: Negotiated repayment solutions for outstanding accounts by introducing new repayment options and effectively managing account resolutions and improving collections.
- Customer Relations: Managed sensitive customer situations with professionalism and respect, maintaining positive interactions and resolving issues efficiently.
- Account Management: Verified and updated account information post-contact to ensure accuracy and reliability in customer records.
- Performance Achievement: Consistently met or exceeded revenue and performance targets on a monthly basis, contributing to the overall success of the team and attended at least 50 customer calls per day.
- Team Collaboration: Fostered productive relationships with team members, enhancing teamwork and supporting a collaborative work environment.
Customer Support Representative
TaxACT
02.2017 - 04.2017
- Software Assistance: Guided at least 20 customers per day in maximize their benefits from TaxACT program through personalized support and expert advice.
- Data Entry Support: Assisted customers in identifying the correct data entry points and clarified any questions or prompts presented by the software.
Assistant Manager - Customer Support and Operations
Axis Bank LTD
01.2016 - 06.2016
- Transaction Processing: Managed timely processing of bank transactions, including funds transfers, check processing, account openings, and supported reconciliation of office accounts, ensuring operational efficiency.
- Customer Service Improvement: Resolved customer queries promptly and effectively, enhancing overall customer service levels and satisfaction.
- Compliance Management: Ensured strict adherence to bank's internal guidelines, processes, and procedures, maintaining compliance with all regulatory and statutory requirements.
- Audit Efficiency: Contributed to improving branch’s Internal Audit Operational Efficiency score through timely completion of assigned tasks and continuous operational improvements.
- Regulatory Adherence: Implemented and enforced Know Your Customer (KYC) and Anti-Money Laundering (AML) policies to mitigate risk and ensure regulatory compliance.
- Product and Process Implementation: Assisted in rollout of new products, processes, and systems, ensuring comprehensive compliance with relevant regulations and statutory requirements.
Claims Assistant
Transamerica Life Insurance Company
02.2015 - 05.2015
- Claim Processing: Processed at least 10 claim applications per day to facilitate the preparation of final payments to beneficiaries, ensuring accuracy and compliance with company policies.
- Payment Calculation: Calculated final payments for beneficiaries, including any applicable interest, in accordance with state regulations and specific claim requirements.
- Documentation Preparation: Drafted and issued final letters to beneficiaries and state agencies, adhering to service level agreements and SEC guidelines.
- Collaboration: Collaborated with Legal Counsel, Claims Specialists, and Compliance teams to resolve complex claims and ensure thorough and accurate claim resolution.
Credit Analyst
Housing Development Fin Corp(HDFC)
08.2012 - 08.2014
- Credit Assessment: Evaluated mortgage loan applicants' creditworthiness by analyzing financial data, including payment history, earnings, and savings, to determine loan eligibility.
- Risk Evaluation: Assessed the risk associated with extending credit or lending funds by preparing detailed financial reports for managerial review and approval.
- Fraud Prevention: Proactively identified and mitigated potential fraud through diligent monitoring and reporting of customers' financial statements.
- Customer Education: Informed customers about various loan products and credit options, helping them make informed financial decisions.
- Team Management: Led a team of 7 mortgage sales representatives, ensuring effective resolution of issues and adherence to organizational standards and specifications.
- Cross-Functional Coordination: Acted as a liaison between sales team and senior management, coordinating with external customers and internal departments such as legal and technical teams to facilitate timely loan approvals.
Education
Master of Science - Finance, Marketing
Osmania University
Hyderabad, India05.2012
Bachelor of Science - Biotechnology
Osmania University
Hyderabad, India05.2009
Skills
- Financial analysis
- Credit decisions
- Credit risk assessment
- Risk mitigation strategies
- Regulatory Compliance(KYC/AML)
- Fraud detection
- Mortgage loan processing
- Report preparation
Languages
English
Bilingual or Proficient (C2)
Telugu
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Commercial Credit Analyst
Creditfax Risk Management Company
03.2021 - 06.2022
Financial Services Representative
GateStone & Co.
11.2020 - 02.2021
Customer Support Representative
TaxACT
02.2017 - 04.2017
Assistant Manager - Customer Support and Operations
Axis Bank LTD
01.2016 - 06.2016
Claims Assistant
Transamerica Life Insurance Company
02.2015 - 05.2015
Credit Analyst
Housing Development Fin Corp(HDFC)
08.2012 - 08.2014
Master of Science - Finance, Marketing
Osmania University
Bachelor of Science - Biotechnology
Osmania University
Similar Profiles
Melissa McGoughMelissa McGough
Executive Director at Carle Risk Management CompanyExecutive Director at Carle Risk Management Company
Robert Gratton Jr.Robert Gratton Jr.
Accounting Team Lead / Financial Analyst III at Gallagher Insurance, Risk Management & Consulting / Eastern Insurance CompanyAccounting Team Lead / Financial Analyst III at Gallagher Insurance, Risk Management & Consulting / Eastern Insurance Company
Tina ReeveTina Reeve
VP, Benefits at Orion Risk Management, An Alera Group CompanyVP, Benefits at Orion Risk Management, An Alera Group Company
Manoah CalixteManoah Calixte
Intern at Palm Beach County Environmental Resources ManagementIntern at Palm Beach County Environmental Resources Management
Sharon BoyleSharon Boyle
Triage Nurse at St. Francis HospiceTriage Nurse at St. Francis Hospice