Pradhaan Bhaarath

Concurrent audit for Banks

Associate in Risk Assurance • Experienced in validating IT General Controls, KYC compliance, Anti-money laundering practices, Fair practice code, Grievance redressal mechanism and previous year audit recommendations. • Reviewed the credit underwriting process and operation efficiency in different branch locations. • Tested the internal controls of the company and proposed best in industry practice adhering to the regulatory requirements.

• Assisted mortgage broker in document verification, creating credit guide and other compliance reports. • Calculated Client’s serviceability based on the client’s financial situation by determining existing assets, liabilities and disposable income. • Created loan applications using FLEX software and lodging loans online. Ordering property valuations and discount rates if applicable. • Liaised with lending institutions to track clients loan application status and provide them with additional documents required and ensuring hustle-free mortgage settlement.

My responsibilities included: • Meeting clients to understand their fund requirements and discuss about payment terms and credit policies. • Accessing the credibility of the client using TransUnion software to determine credit score and financial track record of the customer. • Creating credit risk reports to determine the risks associated with the specific client and associated industry. • Creating loan applications with detailed documents including income statements, purpose, existing liabilities and scope of the forecasted project. • Supporting clients during loan disbursement process and coordinating the clients with documentation department executive for mortgage registration.

Distinction holder in Master of Business Administration specialising in (Derivatives and Business Modelling) from Swinburne University of Technology, Melbourne. A member part of the organising team responsible for setup and pack down information stalls. Assisting general enquiries and engaging new students at university events.