Niharika Randeria

Experienced mortgage underwriting and banking professional with 8 years of expertise in UK mortgage underwriting, residential and buy-to-let mortgage processing, credit assessment, income calculation, and customer financial analysis. Skilled in reviewing mortgage applications, analyzing borrower eligibility, validating documentation, and supporting underwriting decisions. Strong exposure to Barclays mortgage operations and customer servicing with a proven ability to manage high-volume cases while maintaining accuracy and turnaround timelines.

Seeking opportunities in Dubai within mortgage underwriting, credit analysis, banking operations, and mortgage advisory.

Senior Analyst (Mortgage Underwriter) - Barclays

(2021-01)

• Handling UK residential and buy-to-let mortgage underwriting processes.
• Reviewing customer income, liabilities, affordability, and financial documentation.
• Conducting detailed credit assessments and mortgage eligibility evaluations.
• Supporting underwriting decisions through accurate risk analysis and case management.
• Reviewing bank statements, payslips, tax documents, and customer financial profiles.
• Managing end-to-end mortgage processing while ensuring quality and turnaround targets.
• Coordinating with internal stakeholders for smooth mortgage application processing.
• Maintaining accuracy in mortgage documentation and compliance procedures.

Customer Executive (Barclays Mortgage Process) - Teleperformance

(2018-01 - 2021-12)

• Managed mortgage-related customer support operations for Barclays UK.
• Assisted customers with mortgage application processes and documentation requirements.
• Supported mortgage underwriting teams with case handling and verification activities.
• Addressed customer queries related to residential mortgage applications and processes.
• Maintained service quality and operational efficiency within banking operations.

Bachelor of Management Studies - BMS - Valia College – Mumbai University (2017-01 - 2020-12)

Higher Secondary Certificate - Bhavans College (2015-01 - 2016-12)

Secondary School Certificate - St. Louis Convent High School (2014-12)