Assistant Manager Mortgage Operations

Name:- DeepakKumar Shyam Naryan Gupta

Email:- ****************@*****.***

Mobile:- 885*******

CAREER OBJECTIVE

Seeking a suitable position in your organization, wherein I can be an active participant in a responsive role which leads me towards the organizations goal, while enhancing my skills. Work Experience

Kotak Mahindra Bank Ltd (01st Dec 2022-till present) Designation: Assistant Manager Department: Mortgage Operations

Handling All mortgage product beginning from Checking files as per login checklist, with all KYC & other necessary documents to Disbursement of those files after resolving the queries raised by ops from sales end.

Handling the updation of converted files i.e. Repayment and PDC, Collateral, Insurance, CERSAI etc.

Responsible for handling Post disbursal documents for Mortgage (NOI/MOE) & CERSAI Charge Creation.

Responsible for Handling OTCS Documents

Reschedule for all cases effect on tenure or EMI.

Update ECS details in the system & sending details related to that to Head office

Registration of CERSAI through online in all property related cases

Looking after EMI and PEMI /PF banking of the customer with different cycle of the cheques

Ensuring online Payment of Stamp duty is done by customer

Working on MIS related to KYC and CRN Creation Error and Alert.

Working on MIS related to Insurance (KLI and KGI)

File Authorizations and Payment Authorizations.

Cheque Printing.

Receiving data from the co-ordination department.

Checking for the availability of all documents to ensure that the documentation is as per the policy.

Checking the rate and subventions as per the policy.

Loading the file and PDCs into the system.

Generating payment vouchers from the system.

Post Disbursement Activity

Reconciliation of internal bank accounts of cash & cheques & other online credits.

Process of value dating each transaction of cash, Cheques & other online credits.

Termination/LWO/ Repossession.

Process of due date PDC, ECS, SI and spot banking.

Process of issuance and handling over of NOC to customer.

Process of issuance of settlement letters.

Responsible for business loan files disbursement and file management on daily basis.

EMI- Repayment updation.

Reversal of overdue charges and FRI charges waive.

Datamatics Global Services LTD (2nd March 2022 -30th Nov 2022) Designation: Executive Department: Operations

Handling All mortgage product beginning from Checking files as per login checklist, with all KYC & other necessary documents to Disbursement of those files after resolving the queries raised by ops from sales end.

Personal Loan Underwriting and disbursement, CAM preparation and analysis, Documentation, KYC check.

Analyzing Credit Worthiness, FOIR Check, CIBIL Check, NACH, repayment, EMI, rate of interest, IRR calculations.

Financial statements, Banking, Salary, and income Analysis.

TAT & SLA: Entire TAT Monitoring for transactions. SLA Adherence. Checklist compliances.

Business MIS, reports of inwards and outward of business.

Tata Consultancy Services (17th August 2021 – 28th Feb 2022) Designation: Process Associate Department: Credit & Operations

• Vehicle/ Mortgage Loan Underwriting and Disbursement

• CAM Preparation: Prepared an overall summary for the details filled in the applications.

• CIBIL Analysis: Analysis Cibil of credit score, repayment history, demographic details. Income Calculation: Analysis of Bank Statement, salary slips, Income tax return (ITR), Conducted Tele verification with applicants and initiated Field Investigation.

• KYC Verification: EKYC/VKYC or Physical KYC analysed and verified.

• FTR/NFTR: Discrepancies/Incorrect Documents query analysed and raised.

• Credit Underwriter Checkpoints verification (BDE and CAM Summary)

• Disbursement Memo Preparation and Disbursement Initiation, Maker and Checker Activities of Loans, Post Disbursement Activities in Fin one.

• Dealer Payment Modes Verifications (RTGS, NEFT and Dealer Funding) and Dealer fund transfer and payment initiations Verified repayment documents like NACH, PDC, SPDC and E Nach provided. Awards and Recognition:

Awarded for Best Productivity and Quality by Datamatics Global Services Limited 1 Times.

Received Appreciation Mail from Cluster Head of Kotak Mahindra Bank Ltd for Handled Pan India activity with 100% efficiency and accuracy.

Academic Qualification:

10TH Maharashtra Board, Mumbai in 2016 affiliated to government SSC Board, With 65.20%.

12th Maharashtra Board, Mumbai in 2018 affiliated to government HSC Board, With 62.31%.

B.Com (Accounts & Finance) completed in (2021) From Mumbai University, With 75.08%. Additional Computer Skills:

Microsoft Word, Excel & PowerPoint

Tally ERP 9.0 With GST

PHOTOSHOP

ADVANCE EXCEL

Characteristics:

Ability to meet goals in the specific time frame.

Team management able to manage excess workload.

Careful Decision Making

Personal Data:-

Name : DeepakKumar Gupta

Father Name : Shyamnarayan Gupta

Date of Birth : 27-10-2000

Gender : Male

Marital Status : Unmarried

Languages Known : Hindi, Marathi, and English

Date :

Place :

Deepak Kumar Gupta

(Signature)

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