Rima Gupta
Credit Application Analyst | Mortgage Funding Specialist
Edmonton, CA.About
Highly analytical and detail-oriented Credit Application Analyst with over 8 years of progressive experience in financial services, specializing in Real Estate Secured Lending (RESL) products and mortgage funding. Proven ability to conduct comprehensive financial analysis, assess credit risk, and ensure regulatory compliance, driving operational efficiency and exceptional customer satisfaction. Adept at leveraging deep product knowledge in areas like business for self, net worth, and debt servicing to facilitate effective decision-making and build strong client relationships.
Work
Edmonton, Alberta, Canada
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Summary
Provided critical operational support to the Sales Channel and Credit Underwriting functions, ensuring submission quality and document compliance with a customer-centric approach.
Highlights
Analyzed and reviewed an average of 30+ credit documentation packages daily for accuracy and adherence to all regulatory requirements, mitigating compliance risks.
Managed end-to-end processing for a diverse portfolio of Real Estate Secured Lending (RESL) products, including business for self, net worth, and builder single advance, across multiple systems.
Applied strong analytical and decision-making skills to assess complex mortgage applications, identifying potential risks and ensuring effective underwriting decisions.
Leveraged advanced proficiency in mortgage systems and tools, including Microsoft Excel, to streamline workflows and enhance data integrity for RESL products.
Edmonton, Alberta, Canada
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Summary
Delivered comprehensive operational support and processed specialized transactions within the Operations & Technology functional area, focusing on CCO RESL Funding.
Highlights
Demonstrated expert knowledge of mortgage-related supporting documents, including income documentation, verification documents, and appraisals, ensuring 100% compliance.
Resolved complex operational issues independently by utilizing internal resources and partner support, improving problem resolution efficiency by 15% for RESL funding.
Maintained operational effectiveness across all RESL funding activities, consistently meeting business objectives, Service Level Goals, and Customer Experience Index (CEI) targets.
Cultivated strong relationships with internal and external partners, enhancing collaboration and streamlining problem resolution processes to improve customer loyalty.
Randstad Staffing (TD Canada Trust)
|Customer Service Representative
Edmonton, Alberta, Canada
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Summary
Processed diverse financial transactions and provided tailored solutions to customers while ensuring adherence to banking regulations and ethical standards.
Highlights
Processed an average of 50+ financial transactions daily, including deposits, withdrawals, and wire payments, maintaining high accuracy and compliance with TD's Code of Conduct.
Identified and addressed customer needs through in-depth conversations, recommending tailored banking solutions that resulted in a 10% increase in product adoption.
Achieved assigned business objectives and sales goals by efficiently promoting banking solutions and streamlining business processes in a timely and accurate manner.
Gurgaon, Haryana, India
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Summary
Managed the creation of equities and bonds, oversaw corporate action events, and provided critical client support for global markets.
Highlights
Managed the creation and maintenance of equities and bonds data, ensuring 100% accuracy for financial instruments across global markets.
Oversaw the accurate recording and execution of corporate action events, impacting thousands of securities and ensuring compliance with market regulations.
Collaborated with leading securities data vendors (Bloomberg, Thomson Reuters, London Stock Exchange, Nasdaq, NYSE) to ensure data integrity and timely updates.
Provided critical support to international clients (Australia, APAC, EMEA, US) for escalations and system issues, resolving 90% of queries within service level agreements.
RValue Consulting Pvt Ltd
|Project Associate
Gurgaon, Haryana, India
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Summary
Supported strategic initiatives and project delivery, contributing to market penetration and brand building for new service offerings.
Highlights
Contributed to the development of winning proposals by analyzing and responding to RFPs, securing new business opportunities for the firm.
Developed compelling corporate presentations and strategic documents that effectively showcased organizational strengths and new service offerings to potential clients.
Supported top management in formulating market penetration strategies, contributing to a 10% growth in new market segments within a 6-month period.
Provided comprehensive project execution and delivery support for multiple client-facing projects, ensuring timely completion and client satisfaction.
Gurgaon, Haryana, India
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Summary
Executed daily trade settlements and managed new account openings for global clients, identifying and resolving trade deviations to minimize business impact.
Highlights
Managed daily trade settlements and opened new accounts for a global client base, processing an average of 40+ transactions per day with high accuracy.
Identified and resolved deviations in failed trades, successfully rebooking lost business and minimizing potential financial impact.
Expertly handled equity trade settlements across major markets including Crest, DTCC, and Euroclear, ensuring compliance with international regulations.
Processed various instructions, account confirmations, and affirmations, maintaining meticulous records for global client transactions.
Skills
Financial Analysis
Credit Analysis, Mortgage Underwriting, Risk Assessment, Debt Servicing (TDS/GDS), Financial Modeling, Income Documentation, Net Worth Analysis, Rental Worksheet Analysis, Fixed/Fluctuating Income.
Real Estate Secured Lending (RESL)
RESL Products, Builder Single Advance, Business for Self Mortgages, Regulatory Compliance, Mortgage Systems, Title Documentation (FCT), Appraisals.
Operational Excellence
Process Improvement, Workflow Optimization, Data Integrity, Quality Assurance, Problem Solving, Multitasking, Detail-Oriented, Regulatory Adherence.
Customer & Partner Relations
Customer Service, Client Relationship Management, Stakeholder Engagement, Conflict Resolution, Customer Experience Index (CEI), Sales Channel Support.
Technical Proficiency
Microsoft Excel (Advanced), Mortgage Software/Tools, Bloomberg Terminal, Thomson Reuters, Securities Data Vendors, ATS Optimization.
Market & Trade Operations
Trade Settlements, Equity Trading, Corporate Actions, Account Management, Crest Market, DTCC, Euroclear.