Credit Analyst

Kavin Shah
34-15 Parsons Blvd, 4H, Flushing, NY 11354 | Cell: (347) 453-5805 | ksc5
de94@westpost.net
PROFILE
Goal-driven, customer-focused sales/account management professional demonstratin
g consistent achievement of service and sales objectives in a highly competitive
market. Proficient in all sales cycle phases, from lead generation and presenta
tion to negotiation, closing and follow-up. Able to resolve customer problems qu
ickly to build goodwill and increase repeat/referral business.
* Reliable self-starter dedicated to complete assignments and meet deadlines wit
hout supervision * Very conscientious, accurate and efficient with assignments *
Strong organization and planning skills * Ability to handle highly confidential
personal and financial information in a sensitive manner * Excellent written an
d verbal communication skills
EXPERIENCE
All American Mortgage Bankers New York January to July 2010
Senior Account Executive
Worked as the Senior Account Executive with additional responsibilities of train
ing junior underwriters in Uniondale. Managed full sales cycle activities from
initial client consultation to sale and follow-up. Authorized loans for seconda
ry market and packaged larger loans for assessment. Responsibilities for the pos
ition included the following:
* Account Management:
* Provide expert consultation and help customers determine the best loan product
for their budget. Pre-qualify/pre-approve loans, evaluate applications, and rev
iew credit history to determine loan risk.
* Review borrowers' loan applications to assure comprehensiveness of data; confi
rm information listed on applications and obtain supplementary documents which a
re essential for sale of loans to minor market.
* Develop business through strong referral base by providing tenacious client fo
llow-up and exceptional service.
* Authority and Compliance:
* Monitor loans carefully from initiation to closing; watch pipeline to track de
als in progress. Was authorized to grant loans of up to $500,000 based on certif
ication necessities of secondary market.
* Ensure that applicable loans meet strict FHA guidelines.
* Examine, estimate and suggest sanction of customer applications for oversized
loans and prepare oversized loan packages (up to $800,000) for assessment by maj
or private investors.
* Maintain internal databases with credit risk and credit limit information.
* Confer with representatives of credit associations and other businesses to exc
hange information concerning credit ratings and forwarding addresses.
* Mentoring:
* Train junior underwriters in new branches on the loan application process and
procedures.
* Provide coaching on selling best practices that establish goodwill and lead to
referrals and future sales opportunities.
* Maintain working knowledge of industry and economic events impacting on operat
ions.
HSBC New York 2006 to 2009

Worked as Senior Account Executive in Melville, Levittown, and Sunnyside branche
s in Consumer Mortgage Lending division. Consistently achieved a monthly target
of $1,000,000 in the sale of mortgages, auto loans, personal loans, and benefici
ary products. Completed management training course as part of a pre-requisite fo
r Assistant Sales Manager position. Responsibilities and recognition for the pos
ition included the following:
* Accounts Portfolio Management:
* Analyze customer's financial history to grant loan in accordance with risk man
agement.
* Estimate the property, financial power and credit worthiness of the borrowers.
* Review files to select delinquent accounts for collection efforts.
* Evaluate customer records and recommend account closing, credit limit reductio
n or increase and collection attempt based on earnings and savings data, payment
history, and purchase activity of customer.
* Provided feedback to credit analysis manager and commercial lenders regarding
the structure of loans.
* Maintained ongoing communication with commercial lenders on status of deals.
Kavin Shah
34-15 Parsons Blvd, 4H, Flushing, NY 11354 | Cell: (347) 453-5805 | ksc5
de94@westpost.net
HSBC New York 2006 to 2009
* Assist with the analysis of detention disputes, billing of detention and appli
cation of contract exceptions.
* Perform cash flow analysis and financial statement by using advanced accountin
g skills.
* Enter, Analyze and Maintain historical studies of customers by compiling finan
cial developments; industry comparison and company statistics.
* Identify opportunities to cross-sell other HSBC products and services as appro
priate, ensuring their follow-up or direct to the appropriate department or pers
onnel for resolution.
* Compliance of Policies and Procedures:
* Adhered strictly to operational risk controls in accordance with company perfo
rmance and quality guidelines, as well as regulatory standards; report control w
eaknesses, compliance breaches and operational loss events.
* Interview customers in person or by telephone to investigate complaints, verif
y accuracy of charges, or to correct errors in accounts
* Developed credit histories by compiling financial information.
* Maintained the company's C.V.P (Customer Value Proposition) on the daily basis
.
* Performance Recognition:
* Recognized for exceeding the monthly goal by over one million dollars on five
occasions.
* Recognized for selling the most Home and Auto Security products on the monthly
basis.
* In 2008, finished in Top 10 ranking for regional sales division.
Fortunoff New York 2005-2006
Sales
* Strong track-record providing superior customer service in a direct to client
sales environment.
* Sold Fun/Fine watches to a daily average customer base of 100, exceeded daily
quotas with 60 sales on average.
* Demonstrated outstanding organizational skills and proved ability to work inde
pendently as well as with team when performing stocking tasks and duties.
* Collaborated with the buyers and managers to improve the display of merchandis
e for effective sales.
Oriental Gems New York 2002-2005
Sales and Administrative Assistant
* Showcased precious gems and merchandise at the point of sale.
* Managed trade show booths on behalf of the company for in-town and out-of-town
domestic cities.
* Placed merchandise orders with suppliers, establishing and growing relationshi
ps with new and existing vendors.
* Provided administrative assistance for office related tasks.
EDUCATION
BARUCH COLLEGE New York Current
Pursing the degree of Bachelor of Business Administration concentrating in Finan
ce
SKILLS
MS Windows, MS Office, PeopleSoft, and HSBC proprietary software.

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Kavin Shah

HSBC New York 2006 to 2009

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