Customer Service Credit Analyst

Uma S Janga

**** ******* **** *****, *******, GA 30040

*******@*****.***: 952-***-****

Summary:

Successful Individual with over 18 years of professional experience with strong project management, customer service, analytical and problem-solving skills.

Dynamic and reliable mortgage professional with comprehensive knowledge of Conventional and government loan programs.

Diligent and detail oriented – Thorough in capturing requirements, analysis creating project artifacts

EDUCATION AND PROFESSIONAL DEVELOPMENT

BS, Bachelors in Banking Management – Accounting Major - 1996

Associate Degree in Computer Applications and Database design fundamentals- 1997

Training in SAS preliminary & Intermediate, SAS Proc SQL and Microsoft tool – 2000 -2004

Training in Fee collaboration – Performance excellence award from Client-PennyMac

CORE COMPETENCIES

Customer Service

Testing & Quality Assurance

Reporting & Analytics

MS Office, MS Project, QuickBooks

Crystal, SAS & Access Reports

Encompass, LAMP, West VM

RIMS Reporting

Blue Vector

PROFESSIONAL EXPERIENCE

Management consulting Analyst August 2021 - September 2022

Witt O'Brien's · Contract- Remote position

Assisted in the distribution of over 8 million in federally funded grants administered by West Virginia housing development fund for needy families affected by Covid-19 Pandemic for West Virginia residents.

Intake and review applications for assistance consistent with federal requirements, program guidelines, policies, and procedures.

Gathered and organized 100+ documents on a daily basis and used Blue Vector for tracking and eligibility review.

Collected and tracked data using Excel spreadsheets to effectively maintain grant related valuation for client.

Process Lead- Consumer Loans Nov 2018 – June 2021

Infosys BPO/Penny Mac Atlanta, GA

Managing Billing for 50+ contract resources, managing budgets/invoices

Quarterly and annual budget reconciliation on spends

Managing new hire requirements and follow-up sourcing team

Support managers with developing new workflow processes, audit controls and training new staff

Maintain and monitor individual and team pipeline to insure paused loans/aged loans are moved to clear/close status on time.

Respond effectively to clients and keep the management informed on progress on issue resolution

Provide reporting as needed for company, department and client requirements like RIMS report, production report, etc.

Manage and process a large monthly pipeline of loans including Conventional loans, VA loans and FHA loans.

Ensure compliance with company policies, underwriting guidelines and lending program requirements and escalate any items that could affect the clear to closing process.

Ensure all files were complete prior to underwriting

Coordinate hand offs effectively with title companies to ensure smooth closings.

Mortgage Loan Purchase Review Specialist April 2015 – June 2018

US Bank, Hopkins, MN

Mortgage industry professional with loan processing experience and a comprehensive knowledge of conventional and government loan programs.

Diligent and detail oriented –thorough in gathering borrower information, verifying loan documents, and reviewing file documentation to guide each loan from preapproval to closing. Participated in pre-TRID backlog process. Got promoted to Deficiency specialist position.

Ensure compliance with company policies, underwriting guidelines, lending program requirements and customer service standards.

Experience in using Proprietary mortgage processing software and MS Office Suite.

Communicate effectively with Originating lenders, internal staff and respond to enquiries, resolve problems by ensuring the timely, judicious and accurate processing of mortgages.

Sr. Technical Recruiter Oct. 2013-April 2014

Javen technologies inc. Bloomington, MN

Performed recruitment operations for various direct clients like Thomson Reuters,

BI worldwide, Hollander.

Recruited for difficult to hire positions, used techniques such as sourcing & networking to identify and attract candidates.

Prescreened candidates with detailed phone screening process, evaluated candidate’s compatibility with specific job requirements and thus ensured a right fit prior to submission to client.

Edited and reformatted the resumes of the candidates as necessary by adding relevant keywords to increase the matches with the number of positions available with the client.

Business Admin & Accountant (Part-time) Feb. 2011-Aug. 2013

Pruma Information services, Apple valley, MN

A boutique IT services company specializing in SaaS platform and software products

PRUMA Information Services, Inc.

Worked as a part-time accountant for PRUMA managing billing and invoicing, account re-conciliation and federal and state filings.

Assisted with administrative functions related to company events, co-ordination of meetings with prospective customers, time tracking for employees, travel co-ordination.

Project Analyst/Credit Analyst Feb. 2000-Aug. 2004

US Bank St. Paul MN

Credit Cards Portfolio Management:

Determined the policies concerning credit transactions like interest rates, credit period and loan amount upper/lower limits, along with the finance manager. This involved pulling the data from focus, cleansing the data by eliminating all the irrelevant information, work through multiple datasets in SAS and then creates reports in Excel or Crystal reports.

User Acceptance Testing:

Actively participated in User Acceptance Testing of a new product which involved writing/reviewing test scripts, executing test scripts, identifying and documenting discrepancies and validating fixes through re-testing.

Used Microsoft publisher to publish monthly newsletters to various departments with respect to progress regarding Data Repository project which proved to be informative and beneficial to various analysts to create statistical reports in a quick and efficient manner.

Created Relational Database to maintain users of Data Repository in Microsoft Access. Used SQL Queries for data manipulation and created reports.

Small Business Lending Project:

Executed user acceptance test cases and ensured test plan and test cases completeness with respect to approved business requirements.

Personal Interests:

Active participant in various Cultural Association events in Minnesota/ Georgia

Volunteered as a Co-host and Host at SPNN channel, Saint Paul, MN.

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