Manish Paul

Accomplished Mortgage Credit & Risk Professional with extensive experience across Australian banking, mortgage underwriting, credit assessment, lending operations and business execution. Strong expertise in evaluating simple and complex property-backed lending applications, borrower creditworthiness, financial capacity, documentation and lending risks. Proven capability in end-to-end credit assessment, loan origination, due diligence, loan modifications, compliance reviews, quality assurance and credit decisioning.

Experienced in managing high-volume operations while maintaining SLA, quality and policy standards. Trusted with discretionary lending authority up to AUD 3 million, complemented by strong exposure to fraud identification, loan-loss reviews, process improvement, stakeholder management and operational risk.

Credit Risk Senior Analyst - COMMONWEALTH BANK OF AUSTRALIA - Bangalore

(2024-06 - 2026-05)

• Managed end-to-end mortgage credit assessment for Australian home loan applications, evaluating borrower profiles, financial information, property-backed lending risks and customer requirements.
• Assessed simple and complex lending scenarios through detailed document verification, credit evaluation, loan origination, account maintenance, and loan modification activities.
• Applied lending policies, credit standards, and risk frameworks to deliver accurate, compliant, and high-quality credit decisions within agreed turnaround times.
• Identified, assessed and escalated potential credit and operational risks, ensuring adherence to organisational controls, procedures and Service Level Agreements (SLAs).
• Maintained strong ownership of assessment quality and accuracy while managing high-volume workloads and consistently supporting operational excellence.
• Partnered with internal and external stakeholders to resolve customer and credit-related issues, enabling timely decision-making and effective service delivery.
• Identified continuous improvement opportunities across credit workflows to strengthen processing efficiency, quality, and customer outcomes.

Business Execution Associate - WELLS FARGO - Bangalore

(2023-07 - 2023-12)

• Reviewed and documented business processes, procedures, and operational requirements across multiple business groups to strengthen standardization and control effectiveness.
• Exercised independent judgment while interpreting policies, procedures, best practices, and business initiatives within established governance requirements.
• Collaborated with mid-level managers and cross-functional business partners to address operational requirements and support effective business execution.
• Participated in planning and execution of programmes and initiatives while monitoring key performance and control indicators across assigned operations.
• Evaluated high-risk end-user applications using defined rules to identify anomalies, document triggered exceptions, and facilitate appropriate escalation and reporting.
• Supported data mining, analysis, and operational reporting while processing high-volume workloads within established timelines, quality standards, and procedural controls.

Credit Assessment Manager - ANZ SUPPORT SERVICES INDIA PVT. LTD. - Bangalore

(2009-11 - 2023-06)

• Led comprehensive credit assessment and risk analysis of Australian mortgage applications, covering simple and complex lending scenarios secured against residential properties.
• Managed end-to-end lending activities encompassing due diligence, document verification, loan set-up and modification, credit appraisal, and risk evaluation.
• Delivered accurate and compliant loan packages supporting portfolio growth while maintaining credit quality, lending policy, and book-of-business requirements.
• Coordinated with sanctioning authorities, settlements and release teams to facilitate timely loan disbursements while maintaining documentation and compliance standards.
• Served as Single Point of Contact (SPOC) for discretionary interest-rate pricing approvals and as Quality Drive Management SPOC for the Bangalore team.
• Conducted audits of mortgage applications through loan-loss reviews, supporting identification and mitigation of Probability of Default (PD) and Loss Given Default (LGD) risks.
• Delivered training to assessment officers on lending policy updates, procedural amendments, and evolving credit requirements to strengthen assessment consistency.
• Analysed and summarised operational and credit data to generate actionable information supporting strategic decision-making and business planning.
• Applied comprehensive knowledge of underwriting policies and lending procedures to streamline workflows, strengthen customer service, and improve credit-processing effectiveness.

Junior Manager - JINDAL SOUTH WEST STEEL LIMITED - Bellary

(2006-01 - 2007-08)

• Managed shift-level operations within the refractories department, coordinating manpower, inventory and refractory maintenance activities to support uninterrupted plant operations.
• Monitored refractory work, conducted inspections, and prepared periodic production reports to support operational planning and performance tracking.

Credit Appraisal Intern - STATE BANK OF MYSORE - Bangalore

(2009-01 - 2009-03)

• Performed commercial lending credit appraisal and borrower evaluation using the Internal Rating Based (IRB) approach.
• Conducted financial statement and ratio analysis to evaluate borrower creditworthiness and support informed lending decisions.

Master of Business Administration (MBA) - Finance - PES Institute of Technology – MBA Program (2009)

Bachelor of Engineering - Ceramic & Cement Technology - Poojya Doddappa Appa College of Engineering (2005)