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Loan Customer

Florham Park, NJ
May 13, 2020

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Gayathri Rajashekar

Contact Number: +1-272-***-****

Email Id:


Worked as Associate Banker

Worked as Research Analyst in Mortgage Underwriting & Mortgage Litigation & Audit Confirmations in Compliance Financial Crime - Reconciliation Services, AML, KYC-W9 and Mortgage Loan Closer

Highly efficient mortgage-closing specialist and funding conventional and government mortgages.

Areas of Excellence in MIS Generation, Monitoring/Resolving Issues, Transaction monitoring, KYC investigation, Team Collaboration.

Career History

TOTAL EXPERIENCE – 8 Years 9 months

JPMorgan Chase – Denville New Jersey (2019 feb -dec)

Job Title: Associate Banker

Job Description: Forefront of delivering an exceptional customer experience by assisting customers with every transactions.


Process standard teller transactions for customers including servicing client accounts, accepting loan payments, managing safe deposit box payments, cashing checks, balancing cash drawers, handling night deposits, correcting discrepancies.

Selling and redeeming US savings bonds applications to the Federal Reserve as needed.

Respond to customer account inquiries

Assisted the supervisor with audits and daily balancing of the vault which exceeded $100,000.

Helping customers learn how to complete their banking needs whenever, wherever and however they want with self-service options, including the Chase mobile app,, and ATMs with expert knowledge in our self-service and digital platform

Ensuring financial transactions are completed accurately and efficiently, while complying with all policies, procedures and regulatory and banking requirements

Supporting customer with traditional banking needs and complex service transactions putting the customer’s needs at the center of everything • Providing proactive customer outreach to gauge success and offer new tools to help customers meet their consumer banking and investment goals

JPMorgan Chase – India - Bangalore (2007 -2015)

Job Title: Quality Specialist

Project: Mortgage Underwriting, Mortgage Litigation and Mortgage loan closer

Job Description: Review & Analyze Loan documents and prepare loan closing documents.

Collaborate with processors, underwriters, attorneys and loan officers.

Provide the detailed credit analysis preceding the granting of a loan, based on credit information furnished by the borrower, such as employment history, salary and financial statements; publicly available information, such as the borrower's credit history, which is detailed in a credit report; and the lender's evaluation of the borrower's credit needs and ability to pay

Objective of my role: Ensure that the services, or processes provided meet specific requirements and are dependable, satisfactory, and fiscally sound as expected by the Operations.


Review and analyze loan documents to provide loan.

Underwrite and verify loan data based on information about assets, employment information, insurance, fraud alerts, compliance reports, and other pertinent documentation to provide a decision within the required timeframe

Coordinate follow-up activities with Loan Originator, Processors and Closer

Ensure all mortgage loan files are underwritten within level of authority in compliance with secondary market guidelines, specific program guidelines and regulatory requirements

Determine if fee refunds are due per policy and procedure.

Prepare loan commitment with a list of pending conditions required prior to final underwriting review.

Review appraisals to determine consistency of information, whether comparable data have been used within reasonable tolerance to support the final value, and if any additional underwriting considerations need to be taken into account based on the condition of the property or other conditions recommended/required by the appraiser.

Submit the loan file for denied loans to appropriate party for a dual review.

Perform all job duties in compliance with applicable State and Federal laws and regulations.

Other duties and responsibilities as assigned.

Provide all loan documents to customer like foreclosure, credit report etc.

Ensure all loan documentation is complete, accurate, verified and complies with the company's policies as well as state and federal regulations before submitting it to the Underwriting team

Gather financial information including employment status, salary, assets, current debts and expenses

Verify loan documents and customer information including credit appraisals, title insurance, customer's employment, financial statement accuracy and collateral asset values

Enter and update loan-related data in the origination system; assemble and verify loan documents for accuracy and authenticity

Knowledge of conventional and/or government guidelines, federal lending regulations governing real estate lending

Worked on credit related issues, title, appraisal, and compliance.

Knowledge of Secondary Market requirements.

Thorough understanding of credit and an ability to review complex financial documents.

Ability to underwrite self-employed borrowers, tax returns, business returns etc.

Conventional and FHA experience and HUD guidelines

Be the point of contact for each customer by answering their questions and obtaining all necessary documents/information to complete the loan application process

Resolving Business Unit’s queries & timely communicating with client about the deliverable status.

Preparation of Weekly & Monthly MIS.

Use Conceptual Knowledge in analyzing and resolving problems related to processes.

Adherence to Client’s policies & maintain data confidentiality

Generate and submit the Monthly MIS

Identify and work on the opportunities for improvement in the processes in the team

Initiate walkthrough sessions for team members on process updates/issues & resolutions

Understand the reporting metrics and analyze them to improve the process efficiency

Assist the team to resolve process related queries and issues on timely basis

10% reduction every month on internal errors identified by implementing robust controls for the team

Job Title: Reconciliation Specialist

Project: Commercial Loan Reconciliation Service

Objective of my role: Reconcile all General ledger and IDDA accounts for Line of Business. Perform research to resolve all outstanding transactions within control. Escalate the exceptions to business partners to facilitate resolution


Performing Reconciliation on General Ledger and IDDA accounts for Line of Business providers

Promote Strong Internal Controls through proactive identification/communication of issues for the process handled Work closely with counterparts in donor location to ensure smooth functioning of the process

Keep check of Risk and Mitigation

Training New Joiners and conduct refresher training programs to close the knowledge gaps in team

Job Title: Operations Analyst

Project: Financial Crime Anti-money Laundering (Currency Transaction Report)

Job Description: Research large cash transactions in order to comply with BSA (Bank Secrecy Act) and report transactions to FinCEN (Financial Crimes Enforcement Network). Process involves reporting currency transaction (or multiple transactions, if known) made by or on behalf of a customer/non-customer that exceed $10,000 per business day to FinCEN, unless the entity is exempted. The CTRs work against financial frauds like money laundering, tax evasion, terrorism funding in retail banking and overall contributes towards protecting the firm’s reputation.

Criticality: High: Penalties in case information sent to FinCEN is not timely and accurate

Objective of my role: To monitor risk, manage outstanding transactions and accurately report portfolio transaction & suspicious activity globally. Expected to maintain quality with success in project management execution.


Monitors daily reports used to identify CIP (Customer Identification Program) exception and report the same.

Processes Currency Transaction Reports (CTRs) and monetary instruments, checks for completeness and accuracy and sends to the IRS within time allowed by regulation.

Perform research on all large cash transactions and multiple transactions that exceed $10,000 per day.

Identify all the suspicious activity of the transactions by fulfilling the complete customer research.

Prepare various reports to identify potential AML cases, reporting the same to IRS.

Assist team in getting all the right information required for reporting the CTR’s, using various methods mostly from internet.

Take care of balancing and reconciliation of all the reports processed by whole team.

To work on all the control points (Excel Trackers & various other logs) those are set from missing any manual error, like ATM transaction log.

Review the reports that were processed and verified, a double check on all the critical parts.

Report handled - Work on daily production reports, Quality Check - Verify the other specialist reports 100%

Identify if scope of errors from the other specialist reports & appropriate feedback.

Provide input for Exception Documents, Coaching/Mentoring the peers and new joiners

To plan all the monthly presentation of team performance and achievement

Application Platform

Business Tool: SAP, Mainframe, Financial Service Desk, PEGA, MISYS, Oracle, CITRIX, ESDS, World-Check, OFAC, LexisNexis, Factiva

Business Communication: MS – Outlook, Communicator, Power Point, Excel, Word, Access database, Same Time, Lotus Notes, Share Point

Professional Achievements

Appreciated by Management for contributions with regards to process improvement

Appreciated with a Best Performer of the month award 5 times

Additional responsibilities and initiatives

Active participation on operations calls with site partners

Share process updates, feedback on quality, unique scenarios/updates in the team meetings & document MOM

Assisting Team members on difficult and challenging cases

Handling escalations for vault process

Clearing/charge-off standards and operating loss policies

Educational Qualification

Bachelor of Commerce from Bangalore University.

I hear by declare the above furnished information is valued to Integrity


Gayathri Rajashekar

Contact this candidate