Swati Acharya
Wembley,UK
Summary
Accomplished Financial Analyst with extensive expertise in project management, credit analysis, and loan processing. Demonstrated proficiency in document review and relationship management, ensuring accuracy and fostering strong client relationships. Adept at leveraging analytical skills to drive financial performance and support strategic decision-making. Committed to continuous professional development and contributing to organizational success.
Overview
6
6
years of professional experience
Work History
Assistant manager
Black sheep Coffee
Wandsworth, City of London
09.2024 - Current
- Delegated tasks to team members efficiently improving overall productivity.
- Created digital file classification system for company-wide use.
- Developed strong relationships with suppliers, ensuring timely delivery of products.
- Increased staff productivity by providing comprehensive training programmes.
- Improved customer service by implementing new procedures and protocols.
- Monitored sales performance regularly adjusting strategies as required.
- Maintained smooth-running business operations by delegating priorities to staff abilities.
- Provided excellent customer service leading to repeat business and customer loyalty.
- Led and managed administrative staff to maintain smooth daily operations.
- Coordinated hiring, recruitment and training strategies to build successful administrative team.
- Handled stock control duties diligently preventing overstocking or shortages.
- Managed teams by overseeing hiring, training and professional growth of employees.
- Increased revenue by upselling and recommending products.
- Increased customer satisfaction by resolving issues.
Hot Shef & Store Manager
Hot Chef - Pret A Manger (London, UK)
London
07.2023 - Current
- Working as a Hot Chef with responsibility to Develop and Maintain the Standard of Hot Food with The Required Quality, Freshness and Display
- Managed daily operations to ensure smooth functioning of the store, maintaining a clean, safe environment for customers and employees.
- Keeps the head chef fully informed of all rising issues, unusual matters of significance, promptly taking corrective actions where necessary
- Check the quality of the material and condition of equipment and devices used for cooking.
- Maintain a lean and orderly cooking station and adhere to health & safety standards.
- Estimates food stocks, ordering supplies for the outlets supervise portion control and quantities of preparation to minimize wastage and ensure customer gets value for money.
- Set up workstations with all needed ingredients and cooking equipment.
- Prepare ingredients to use in cooking (chopping and peeling vegetables, cutting meat etc.)
- Responsible for ensuring an outlet product quality and standard before the product gets to the customer.
- Ensure great presentations by dressing dishes before they are served.
- Prepare a wide variety of goods following traditional and modern recipes.
- Understand visitors' preferences and make suggestions based on findings.
- Ability to do a variety of pastries which include cakes, pies, croissants, meat pies, chicken pies, quiches, tarts, doughnuts, muffins, samosas etc.
- Ability to decorate pastries and cakes using different icings, toppings etc.
- Monitor stocks for baking ingredients and make appropriate orders within budget.
QC Analyst
Envision Business Solutions Pvt. Ltd. (India)
06.2022 - 05.2023
- Responsible for 360 Review of Mortgage Loan Application after Initial Approval to Ensure All Aspects of Underwriting are Within State, Federal and Lender Compliance
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
- Maintained orderly records of all completed mortgage transactions, facilitating easy retrieval for future reference or audits.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
- Managed a pipeline of loan applications, prioritizing tasks effectively to meet deadlines and maintain productivity levels.
- Cultivated positive relationships with third-party vendors such as appraisers and title companies to facilitate smooth transactions for clients.
- Leveraged strong analytical skills to identify potential red flags within applicants'' financial profiles, mitigating risk for the organization.
- Maintained up-to-date knowledge of industry regulations and guidelines, ensuring compliance in all underwriting decisions.
- Coordinated with team members to address and resolve complex underwriting scenarios, fostering a collaborative work environment.
- Reduced risk exposure by conducting thorough credit analysis and documentation reviews.
- Developed a comprehensive understanding of various loan programs, enabling accurate assessments of applicant qualifications across different products.
Team Leader
Equilibrium Mortgage Solution Pvt. Ltd. (India)
01.2020 - 06.2022
- Managed all aspects of Home Mortgage Origination, Processing, and Closing for Purchases and Refinancing Including Prime and Sub-prime Loans as Team Lead
- Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.
- Managed conflict resolution among team members, fostering a positive and collaborative work environment.
- Mitigated credit risk by conducting thorough due diligence checks on all applicants, safeguarding the organization''s interests.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
- Enhanced team productivity by mentoring junior mortgage specialists and sharing best practices.
- Maintained up-to-date knowledge of industry trends, enabling informed decision-making and accurate advice for clients.
- Streamlined internal processes by implementing digital tools, enhancing overall efficiency within the department.
- Achieved success in closing challenging loan scenarios through creative problem-solving and persistence.
- Led training sessions for colleagues on regulatory changes, maintaining a knowledgeable and compliant workforce.
- Reduced loan approval time by streamlining the application review process and collaborating with underwriters.
- Motivated and developed employees by creating incentives to encourage employees to excel and maintain low turnover rate.
Mortgage Quality Associate
Ascendum KPS Pvt Ltd (India)
10.2018 - 12.2019
- Associate Analyst Responsible for Mortgage Loan File Doc Indexing, Loan Auditing and Quality Check
- Expedited closings by coordinating effectively with title companies and attorneys throughout the settlement process.
- Contributed to team success by proactively assisting colleagues during high-volume periods or absences, ensuring uninterrupted service levels were maintained.
- Ensured compliance with federal and state regulations by keeping up-to-date knowledge of industry changes.
- Enhanced customer satisfaction by providing timely and informative responses to inquiries.
- Streamlined loan application process by organizing and maintaining accurate client files.
- Assisted in increasing loan approval rates with thorough review of documentation and proactive follow-up on missing items.
- Improved accuracy in borrower''s information verification process through meticulous attention to detail when reviewing documentation against application data inputs.
- Reduced processing time for mortgage applications, contributing to higher client satisfaction rates.
- Calculated income accurately, minimizing discrepancies that may lead to delays or denials in loan approvals.
- Facilitated a smoother underwriting process by conducting comprehensive reviews of documentation and identifying potential issues for resolution prior to submission.
Education
B. Technology in Electronic and Communication Engineer -
Gujarat University (India)
2017-05
Skills
- Financial Analyst
- Project Management Skills
- Credit Analysis
- Loan Processing
- Document Review
- Relationship Management
Languages
English
Hindi
Gujarati
Personal Information
Title: Financial Analyst
Custom
Content Creator
Social Media Influencer
Travelholic (Like to Explore New Places)
Reading
Food Vlogger
Languages
English
Beginner
Hindi
Beginner
Gujarati
Beginner
Timeline
Assistant manager
Black sheep Coffee
09.2024 - Current
Hot Shef & Store Manager
Hot Chef - Pret A Manger (London, UK)
07.2023 - Current
QC Analyst
Envision Business Solutions Pvt. Ltd. (India)
06.2022 - 05.2023
Team Leader
Equilibrium Mortgage Solution Pvt. Ltd. (India)
01.2020 - 06.2022
Mortgage Quality Associate
Ascendum KPS Pvt Ltd (India)
10.2018 - 12.2019
B. Technology in Electronic and Communication Engineer -
Gujarat University (India)
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