Deepthi Kalidhindhi
Tottenham,ON
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Commercial Mortgage Loan Administration Specialist
Wells Fargo
10.2022 - Current
- Develop and produce a mortgage portfolio for the commercial or consumer market
- Analyze financial information including operating statements and net worth statements to determine appropriate loan size, terms, and pricing
- Review various reports including appraisals, environmental documentation, and engineering reports to determine compliance with investor requirements
- Evaluate mortgage loan requests in order to approve or deny applications
- Determine property values based on appraised market prices and the borrower's credit worthiness
- Administer mortgage and other secured loan products as per approved amount levels and in accordance with lending policies
- Investigate credit ratings with credit bureaus and reporting agencies
- Submit regular credit and loan consumption reports to management.
Lead Commercial Loan Servicing Representative
Wells Fargo
02.2021 - 09.2022
- Handled complete cash process portfolio
- Responsible for Critical loans quality control
- Handled Risky loans approvals
- Demonstrated respect, friendliness, and willingness to help wherever needed.
- Worked flexible hours; night, weekend, and holiday shifts.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Developed and maintained courteous and effective working relationships.
- Resolved problems, improved operations, and provided exceptional service.
Senior Financial Analyst
Wells Fargo
08.2017 - 01.2021
- Improved operational efficiency and cultivated cost reduction and increased productivity.
- Delivered financial oversight and advice to corporate stakeholders to improve strategic planning.
- Developed presentations and reports to inform and educate stakeholders and financial teams on growth possibilities.
- Tackled both annual and quarterly budget management tasks and developed financial models from benchmarking.
Financial Analyst
Wells Fargo
05.2015 - 07.2017
- Improved operational efficiency and cultivated cost reduction and increased productivity.
- Created systems to organize municipal bond transactions and sales to strengthen operational efficiencies.
- Developed spreadsheet models for diverse projects and analysis.
- Reviewed financial reports and streamlined operations to increase productivity and company profits.
Associate Financial Analyst
Wells Fargo
03.2014 - 04.2015
- Provided analysis in forecasting financial expectations to inform development of budget planning.
- Created quarterly earning presentations and monthly investor presentations.
- Analyzed and tracked trends based on data reporting and recommended and implemented policy and procedure updates.
- Oversaw associate technical training and educated associates regarding policies and procedures.
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability and expense forecasts.
Education
Master of Business Administration - Finance & Human Resource Management, Business Administration
St Francis Institute of Management
India07.2015
B.Com (Honors), Bachelor of Commerce - Accounting And Finance
Loyola Academy Degree And PG College (NAAC)
India06.2013
Skills
- Responsible for approving funds to vendors and borrowers
- Ability to take initiative and work independently with minimal supervision in a structured environment
- Ability to research, analyze, and determine a course of action for financial transactions Knowledge and understanding of regulatory compliance requirements surrounding USA PATRIOT Act and Anti Money Laundering (AML) requirements
- Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills
- Ability to provide strong customer service and develop customer relationships
Accomplishments
Awarded with Top performer of year for 2014 ,2015, 2016, 2019,2021,2022 for maintaining Good Quality & Efficiency
Consistently rated as as a "Best Performer" in the Team along with multiple appreciations from US partners
In the Year of 2016 Nominated for WAC (Annual Rewards & Recognitions)
Certification
Mortgage Bankers Association - MBA Level I & II , 2019 CFA Investment Foundation Certification, 2018
Additional Information
- AWARDS & HONORS, Awarded with Top performer of year for 2014 ,2015, 2016, 2019 for maintaining Good Quality & EfficiencyConsistently rated as as a "Best Performer" in the Team along with multiple appreciations from US partnersWas rewarded with AE4 in 2016In the Year of 2016 Nominated for WAC (Annual Rewards & Recognitions)
- ABOUT MEBusiness: US Commercial Real Estate – Cash Administrations & Special Servicing.Process: Wholesale Operations within WFIP supports the Commercial Banking (CB) and Corporate & Investment Banking (CIB) businesses across number of key operational activities covering the entire client life cycle. The function sits under the CB/CIB business vertical with in WFIP and undertakes variety of operation – Lending operations, Trade Finance operations, TreasuryManagement and Payment solutions, International payments and Financial Crime Ops. The operations covers all stages of client lifecycle including onboarding and ongoing maintenance and involves deal closing, financial statement spread, cash management, account onboarding &management, customer service, collateral management, documents preparation & management and collections. These operations support all of Commercial Banking business i.e. Business Banking Group, Middle Market, Commercial Capital, Trade Finance, Treasury Management and Payments Solutions. Also responsible for timely and accurate processing of CMBS transactions.Department OverviewCash processing team is accountable for timely and accurate processing of cash transactions such as posting incoming funds, outgoing funds, new loan funding, general ledger movements, internal fund movements, ground rent remittances, sub servicer payments, special servicer payments, check payments, vendor payments, disbursal of funds and approving funds.
Languages
English
Full Professional
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Commercial Mortgage Loan Administration Specialist
Wells Fargo
10.2022 - Current
Lead Commercial Loan Servicing Representative
Wells Fargo
02.2021 - 09.2022
Senior Financial Analyst
Wells Fargo
08.2017 - 01.2021
Financial Analyst
Wells Fargo
05.2015 - 07.2017
Associate Financial Analyst
Wells Fargo
03.2014 - 04.2015
Master of Business Administration - Finance & Human Resource Management, Business Administration
St Francis Institute of Management
B.Com (Honors), Bachelor of Commerce - Accounting And Finance
Loyola Academy Degree And PG College (NAAC)
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