Shibani Brahma

Promoted as Senior Analyst.

• Nurtured strong working relationships with clients, ensuring their needs were met while exceeding expectations on deliverables.
• Optimized project management, resulting in timely deliverables and improved client satisfaction rates.
• Improved company efficiency with the development of key performance indicators and tracking metrics.
• Analyzed data to identify root causes of problems and recommend corrective actions.
• Mentored junior analysts, fostering professional development while enhancing overall team performance.

• Managing diverse credit portfolio (overdrafts, mortgages, etc.), ensuring risk mitigation and regulatory adherence.
• Involved in-depth credit evaluations (financial health, reports, income, collateral) for informed lending decisions.
• Designed and optimized credit risk strategies to reduce exposure and enhance portfolio performance.
• Analyzed credit portfolio trends, identifying risks and opportunities and recommending improvement strategies.
• Collaborated cross-functionally to ensure smooth credit operations and resolve issues effectively.
• Maintained compliance by regularly updating credit policies and procedures.
• Leveraged financial analysis tools and data to make strategic credit decisions and minimize defaults.
• Streamlined credit processes and automated tasks to enhance operational efficiency.
• Ensured proactive client communication and issue resolution throughout the credit lifecycle.
• Provided strategic reporting to senior management, contributing to credit portfolio growth.

• Engaged with customers via phone to prevent cancellations of SIM contracts, mobile plans, and insurance policies, addressing client needs and concerns to retain business.
• Utilized active listening and problem-solving skills to identify cancellation reasons and present tailored solutions to enhance customer satisfaction and loyalty.
• Successfully retained clients by offering personalized alternatives such as plan upgrades, promotions, and new product offerings.
• Drove sales by identifying customer needs, cross-selling relevant products, and promoting promotions and loyalty incentives.

• Acted as the Single Point of Contact (SPOC) for mortgage-related queries, resolving issues with 98% accuracy.
• Managed end-to-end mortgage closing processes, ensuring compliance, accuracy, and timely loan funding.
• Reviewed loan applications, credit reports, income documents, and collateral to assess borrower risk and eligibility.
• Ensured compliance with federal and state mortgage regulations, investor guidelines, and company policies.
• Conducted thorough underwriting reviews, evaluating creditworthiness, debt-to-income ratios, and property valuations to mitigate risks.
• Worked closely with loan officers, processors, and title companies to resolve closing conditions and expedite loan approvals.
• Assessed and verified closing documents to ensure proper execution before funding.
• Provided timely communication to borrowers and stakeholders regarding underwriting conditions and loan decisions.
• Identified and mitigated fraud risks through detailed verification and risk assessments.
• Implemented process improvements to enhance underwriting efficiency and loan turnaround times.
• Assisted in training and mentoring junior processors and closing specialists, ensuring adherence to best practices.