Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Raj Raval

Brampton,ON

Summary

Dynamic Loan Analyst with a proven track record at Finastra, enhancing department efficiency by streamlining processes and reducing fraudulent activity. Expert in loan underwriting and credit analysis, coupled with exceptional problem-solving abilities. Achieved 100% accuracy in fund release for student loans, demonstrating unparalleled attention to detail and teamwork.

Professional with strong background in loan analysis, equipped to drive impactful results. Proven in-depth understanding of financial assessments, risk management, and regulatory compliance. Known for collaborative teamwork and adaptability, ensuring seamless operations and successful outcomes. Skilled in data analysis, financial modeling, and client relationship management, with focus on delivering precise and timely solutions. Loan analysis professional with comprehensive understanding of financial assessments and risk management. Consistently delivers reliable evaluations and recommendations that drive successful loan portfolios. Known for collaborative approach and adaptability in dynamic environments, embodying precision and reliability.

Overview

7
7
years of professional experience

Work History

Loan Analyst

Finastra
05.2024 - Current
  • Managing all mail merge, as well as reporting requests, including ADHOC requests (daily, weekly, monthly) to record, organize and analyze data
  • Processing and reviewing applications to ensure 100% accuracy to release funds for student loans for borrowers, and any follow ups associated to application in regard to missing/incorrect information that will impact processing.
  • Increased efficiency within the department by identifying areas for improvement and recommending appropriate changes to workflow processes.
  • Completing and examining requests regarding changes in payment amounts and term for borrowers with student loans, using both internal tools and access to the loan servicing system to complete the requirement from the borrower.
  • Assisting with application process for repayment assistance of student loans, reviewing consumer proposals with bankruptcy, reconciliation of accounts, and rehabilitating loans to reestablish loans with goal of borrower having a good standing score. Reviewing any requests to change payments with reschedule of terms on their student loans, revisions of terms and payment plans for borrowers.
  • Maintained detailed records of all transactions according to regulatory requirements while ensuring strict confidentiality of client data.
  • Ensured compliance with regulatory standards by diligently reviewing documentation and loan data.
  • Reduced instances of fraudulent activity by implementing robust verification procedures during the application process.

Customer Service Representative

Payday Loan Mart
09.2017 - 12.2023
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Processed payday loan applications efficiently and accurately, ensuring compliance with company policies and regulatory requirements
  • Conducted credit checks and verified income information to assess risk and make lending decisions\
  • Evaluated applicants' financial situations to determine loan eligibility and
    repayment terms
  • Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.

Education

DIPLOMA - PRE-BUSINESS

Seneca College of Applied Arts And Technology
North York, ON
12-2017

Skills

  • Microsoft Excel
  • Documentation review
  • Loan underwriting
  • Credit analysis
  • Cash flow analysis
  • Financial statement analysis
  • Loan origination
  • Relationship management
  • Credit scoring
  • Debt restructuring
  • Teamwork
  • Teamwork and collaboration
  • Problem-solving
  • Attention to detail
  • Time management
  • Microsoft office

Languages

English
Full Professional

Timeline

Loan Analyst

Finastra
05.2024 - Current

Customer Service Representative

Payday Loan Mart
09.2017 - 12.2023

DIPLOMA - PRE-BUSINESS

Seneca College of Applied Arts And Technology
Raj Raval