Lokeshbabu Annadurai

Result-oriented Senior Banking Operations Professional experience in Mortgage Underwriting, Global KYC, Account Opening, Financial Crime Screening, and Risk Assessment. Proven expertise in retail and corporate banking operations, regulatory compliance, credit analysis, and portfolio risk evaluation. Sanctions screening, and customer due diligence processes.

Senior Analyst at Barclays Global service center Private Limited (2010-11 – Present)

• Underwrite residential and Buy-To-Let (BTL) mortgage applications, conducting comprehensive credit assessments including income verification, equity analysis, and risk evaluation.
• Checking all the Mortgage doc types found to open and view the document images for the recorded mortgage/Deed of Trust, Final docs & Title Docs.
• Review on Co-Borrower Name, property Address, Loan balance & Data closed.
• Vesting entered Loan amount, document date, Recording Date, Instrument number, Original beneficiary, Selling Beneficiary & Buying Beneficiary.
• Verify Mortgage documents Note, Deed, Credit report, Signature, Affidavit, Title, and Verification of Employment for Borrower information.
• Complete review and updating the loan which is received from the client as per the Standard Operating Procedures (SOP)
• Review and validate KYC documents including Passport, Driving License, Bank Statements, Council Tax, D&B, Companies House, CIBIL, CBDT and other regulatory checks.
• Evaluate loan-to-value ratios, debt-to-income ratios, credit scores, property valuation, and compliance documentation to recommend approval or decline decisions.
• Identify portfolio risks related to underwriting exposure, fraud risk, and client business practices.
• Perform sanctions and PEP screening using tools such as World Check, Lexis Nexis, Factiva, RADAR, and DELTA.
• Handle Corporate and Retail Account Opening processes for UAE & Africa migration to BSS Chennai.
• Process CASA accounts including CIF creation, account mapping, signatory management, and account lifecycle maintenance (activation, blocking, and closures).
• Prepare process manuals and ensure adherence to retail and corporate banking policies.
• Giving latest update to the agents and updating all related documents in FAQ
• Challenge the errors which we have fog from the client.
• Giving training to the new Joiners.
• Giving error feedback to the agents.

Senior Officer at Standard Chartered Bank (2006-08 – 2010-11)

• Managed Credit Card Account Opening and Prescreening Operations in the Unsecured Lending Unit.
• Verified customer documents and ensured compliance with bank policies before approval or decline.
• Processed primary, add-on, and supplementary credit card applications using ODC and SIS systems.
• Performed quality checks on captured applications to ensure data accuracy.
• Prepared Daily, Weekly, and Monthly MIS reports for CPC.
• Conducted classroom training sessions for new joiners on credit policies and operational procedures.

MBA in Human Resource – University of Madras

B.E.S in Electronic Science – University of Madras