+91-805**-*****

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BANGALORE

C O N T A C T P R O F I L E

S K I L L S W O R K E X P E R I E N C E

Time Management

Analytical and Critical thinking

Teamwork and Collaboration

Excellent communication

Loan servicing Representative

Wells Fargo India Solutions

Review Loan files for completeness accuracy including Calculations and verification of income and assets, Evaluation of credit reports, VOE, Taxes Returns, Divorce Degree and other loan pertinent compliance documentation. Validating the accuracy of Pre purchase files.

In depth knowledge of Specialized tools such as IRC Calculator in order to check the customer income source.

Performing Level 2 review for Various Segments which includes different aspects of Loan files such as Segment 4(Income and Asset), Segment 2

(AUS/APPROVAL, 1003, INVESTMENT PRODUCT, LOAN SUMMARY), Segment 3

(Insurance, Valuation and Title)

Providing Feedback to the Level 1 reviewers by reviewing and validating their Loan files for complete accuracy.

Validating and reviewing Loan Applications which include analyzing the credit reports, title reports, income documentation, collateral, etc. Knowledge of residential mortgage processing, loan Origination, 4C's of underwriting- cash collateral, credit and capacity. 2022-Present

Highly accomplished & skilled Senior Loan Servicing Representative with over 5 years and 9 months of experience in US mortgage and financial services industry. Recognized throughout the career for being a visionary team player leveraging in- depth knowledge of US Mortgage / Loan servicing operations, reporting, and banking industry processes. Possess excellent communication, time management, leadership and operations efficiency skills. Proven ability to bridge performance gaps, drive process improvements, and manage complex concepts effectively. L A N G U A G E S

English

Malayalam

Tamil

R A H A N A

J A H I R H U S S A I N

L O A N S E R V I C I N G R E P R E S E N T A T I V E Loss mitigation, Document Review and File build

Pre - Underwriting

Played a key role in multiple process transitions within “Loss Mitigation”

'Zero’ SLA breaches till date for all the mentored processes Training overall functioning of two Processes

Responsible for process analysis & documentation, risk assessment & mitigation

Analyzing MIS reports with a view to improve process operations Generating and reviewing statistical data on productivity levels and performance, making recommendations on SLA and taking need-based decisions

Interact with LOB partners on weekly calls and ensure continuous interaction to foster engagement levels

Self motivated

Problem Solving

Issue Management

MS Office

Interpersonal skills

Active listening

Multitasking Abilities

Flexible and Adaptable

Decision Making

Attention to Detail

Team building

Planning and Coordination

Roles and Responsibilities in Loss Mitigation (File build) Bachelor's Degree

Rathinam college of Arts and Science

2014 - 2017

E D U C A T I O N W O R K E X P E R I E N C E

E X P E R T I S E

Financial Analysis

Home preservation closure (HPC) and Post Settlement Wells Fargo India Solutions

Supporting a variety of loan servicing tasks, including reviewing loan disbursement request, processing disbursement, preparing loan demands and re-conveyances.

Identify the opportunities to improve loan servicing process within established procedures.

Performing routine tasks for loan servicing functional area including reviewing, researching and processing.

Auditing the documents of the customer post settlement and analyzing the findings in the documents for resign to avoid risk. 2020-2022

Escrow and taxes is part of Loan care department. The processes are responsible for gathering borrower information related to property tax and insurance & to guide each loan till closing.

Evaluated loan requests and documents to verify accuracy and completeness. Developed and maintained relationship with customers, lenders and other third parties.

Explained very technical financial information to applicants in easy to understand language.

Supervised loan personnel and motivated to maintain customer service and performance standards.

Processed loan applications and monitored progress from start to finish. Process Analyst 2018-2020

Fidelity National Finance India Pvt Ltd

Achievements

Received the "Best Performer" award for consistently maintaining high-quality work and production.

Successfully completed the "Freedom File" project, resulting in the recovery of significant funds.

Commended for effectively training on-shore and off-shore colleagues.

Recognized for demonstrating commitment to testing and implementing new business activities and process tools (MSP, VALERI, PROVEN, etc.) during migration and integration. Appreciated for contributing to the automation team's efforts in enhancing process automation.

Acknowledged for displaying adaptability and getting cross-trained in various inter- process support roles.

Successfully transferred process knowledge of Loss Analysis and established a temporary platform for processing files during tool testing and migration.

Commended for collaborating with the Risk Management team to bridge process gaps during process migration.

Recognized for developing comprehensive process reports and implementing automated sheets.

Higher Education

Palani gounder Matriculation Higher

Secondary school

2012 - 2014

2012

Arokiamatha Matriculation Higher

Secondary School

SSLC

Mortgage Underwriting

Loan Origination

Risk assessment

Banking regulations

Loan processing

Credit analysis

Data analysis

Customer Service

C E R T I F I C A T I O N S

MS Excel

MS Teams

Advanced lean Six Sigma

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