SAKSHI ANAND
Surrey,BC
Summary
Dynamic finance professional with over 14 years of corporate accounting experience and specialized expertise as a Mortgage Underwriter. Proficient in analyzing financial statements, assessing creditworthiness, and evaluating mortgage applications in strict adherence to federal and state regulations. Strong ability to mitigate lending risks while enhancing operational efficiency, leveraging extensive accounting knowledge to interpret complex financial data. Recognized for exceptional collaboration with clients, loan officers, and brokers to ensure seamless loan processing, complemented by robust analytical, risk assessment, and decision-making skills that drive accuracy, compliance, and profitability in high-volume financial environments.
Overview
14
14
years of professional experience
Work History
Underwriter
Kraft Mortgages Canada Inc
12.2024 - Current
- Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
- Analyzed credit reports to assess borrower risk and financial stability. Collaborated with loan officers to clarify borrower documentation requirements.
- Conducted preliminary research on mortgage products to support client inquiries effectively.
- Evaluated mortgage applications for compliance with underwriting guidelines. Supported compliance efforts by maintaining accurate records and performing periodic audits of client files for adherence to internal guidelines and regulatory requirements.
- Facilitated clear communication between all parties involved in each transaction resulting in more efficient deal closures.
- Reviewed property appraisals to determine value consistency with loan amounts.
- Stay up to date on current market trends and regulatory changes, ensuring accurate advice and guidance for clients navigating the mortgage landscape
Manager
Kama Ayurveda Pvt. Ltd
03.2016 - 11.2024
- Prepared and presented weekly and monthly management reports on sales and cost-benefit analysis, productivity analysis, inventory turnover analysis and cost variance analysis.
- Exposure in formulating budgets; monthly, quarterly, and annual budgeting and forecasting projection on complete P&L.
- Managed MIS and various reporting related to the Management. - P&L analysis reports (Key financial information Ratio and analysis to the top management for financial decision-making). - Cost analysis & Cost calculation of all the products of the company
- Investigated and resolved discrepancies in monthly bank accounts while under tight deadlines
Dy. Manager
General Street Marketing Pvt. Ltd
04.2015 - 03.2016
- Verified posting to ledgers to confirm accurate entry and account balances
- Investigated daily variances uncovered with payment and receivable reports and corrected errors to resolve discrepancies
Accounts Officer
Asahi India Ltd.
09.2011 - 04.2015
- Maintained and reconciled accounts as well as prepared reports; created, documented, and posted complex journal entries; recorded various intercompany transactions and cost allocations
- Adhered to accounting controls by following policies and procedures in compliance with legal and regulatory requirements
- Undertook database back-ups to ensure the security of financial information
- Processed daily invoices for accounts receivable and monthly commission statements as well as updated customer payments
- Reconciled financial discrepancies by collecting and analyzing account information.
Education
M.B.A. - Financial Management
Symbiosis Centre
Pune, India01.2010
Master of Commerce - undefined
CCS University
Meerut, India01.2010
Bachelor of Commerce - undefined
C.C.S University
Meerut, India01.2008
Skills
- Credit Analysis
- Regulatory Compliance
- Financial Statement Analysis
- Risk Assessment
- Risk Mitigation
- Analytical Decision-Making
- Communication Skills
- Problem Solving
LANGUAGES
Hindi - Native
English - Fluent
Timeline
Underwriter
Kraft Mortgages Canada Inc
12.2024 - Current
Manager
Kama Ayurveda Pvt. Ltd
03.2016 - 11.2024
Dy. Manager
General Street Marketing Pvt. Ltd
04.2015 - 03.2016
Accounts Officer
Asahi India Ltd.
09.2011 - 04.2015
Master of Commerce - undefined
CCS University
Bachelor of Commerce - undefined
C.C.S University
M.B.A. - Financial Management
Symbiosis Centre
PERSONAL INFORMATION
Hobbies: Reading, Music, Traveling, Movies