Assistant Manager Team Lead

RESUME

Mob: +91-779******* Name : K.Lokesh Kumar

E-Mail:********************@*****.***

OBJECTIVE

To work sincerely, with best of my abilities using my talent and also to take up challenging assignments and produce the expected results on time. To be flexible according to the time needs and at the same time ambitious enough to grow with the company.

WORK EXPERIENCE

Currently working in Tata Consultancy Services as a Assistant Manager from November 2020

Worked in Cognizant Technology Solutions as a Process Specialist and Team Lead from September 2016 to November 2020.

Worked in SUTHERLAND GLOBAL SERVICES as a SR Analyst from December 2014 to September 2016.

Worked in MAVA Technologies Pvt Ltd, as a Mortgage Processor from August 2010 to November 2014.

ROLES & RESPONSIBILITIES - COGNIZANT

Roles & Responsibilities as a Lead (November 2018 to November 2020):

Loan Assignment to the Team based on the SLA’s.

Performing Quality check for the Loans completed as per the QC Plan.

Providing on floor support in order to resolve queries of the Team.

Providing Classroom Training and On Job Training for New Joiner’s.

Perform Root cause analysis for the error/feedback provided by the client and take corrective actions.

Providing PMT (Performance Monthly Tracker) on monthly basis to all associates including production and Quality scores, leaves and focus on area.

Conducting One O One with each associate to make them understand the process on weekly basis.

Analysing bottom performer’s scores and production and providing feedback to them as per process steps also make them understand clearly where they are lacking in terms of process knowledge.

Conducting PKT Process Knowledge Test on monthly basis with new updates and process steps.

Analysing Timekeeper’s data to verify nonproduction and production hours.

Preparing billing sheet for all FTE’s.

Handled ISO Audit, External Client Audit and Internal Organization Audit successfully

Mentoring, motivating, coaching, and contributing to the hiring process when needed

Developing and executing training programs for new and existing staff; assisting the selection of new hires

Formulating the SOPs, other documentation and communication for team's work

Roles & Responsibilities as an Underwriter (September 2016 to October 2018):

Working on Conventional, FHA, VA and USDA Loan Products.

Working on Component review Underwriting and Full Initial Live Underwriting as per the FNMA and FHLMC guidelines.

Analysing and Review of Credit, Income, Collateral and Assets documents as per the Investor and Client specific guidelines.

Evaluating the character and credit history of a borrower by reviewing Credit Report to identify late payments, Bankruptcies, Foreclosure or any other fraud alerts present in the report.

Calculating and Analysing the Income of the Borrower, as per Documents provided by the Borrower

Verifying the Asset document requirement and calculating cash to close for the transaction.

Calculating the Housing Expense Ratio (Front End DTI) and Total Expense Ratios (Back End DTI), LTV/CLTV/HCLTV of the File and Approving/Suspend or Denying the File Accordingly

Run DU and reviewing the same to identify the Red Flags and raise the conditions for document requirement and Letter of Explanations for certain red flags.

Preparing the file and submitting for CTC (Close to Close) to an Underwriter.

ROLES & RESPONSIBILITIES – Sutherland Global Mortgage Services

Post Close Underwriting

Reviewing all disclosures for its completeness and execution.

Analysing Credit Worthiness of the Borrowers as per Lender guidelines.

Analysing and Reviewing the CIA Documents.

CREDIT: Credit documents like Credit Report, Credit Supplements, Trade lines, Inquiries, Public record information& Mortgage Statements, etc.

INCOME: Income documents like Paystubs, Tax Returns/Tax Transcripts, VOE, WVOE, and Pension Income & Award letters etc.

ASSETS: Assets documents like Bank Statements, 401K/IRA Statements, Checks and Gift Letters, etc.

Purchase contract: Purchase price, Loan amount, Initial Deposit, Mortgage contingency date etc.

AUS findings: Borrower name, Loan amount, Loan Number, Ratios, Note rate, Property address, Credit reference number etc.

ROLES & RESPONSIBILITIES – MAVA TECHNLOGIES

Knowledge on Pre-underwriting.

Knowledge on requesting third party items like Title, HOI, Flood cert, VOE.

Reviewing submission package and dividing all documents like disclosures, income documents, asset documents, purchase contract etc.

Dividing the documents and moved into respective folders.

Reviewing the documents as per guidelines and verifying whether all the documents have all pages are valid.

Updating the data in tool as per available documents.

Adding conditions in tool for missing documents.

Analysing incomplete/invalid documents and adding the conditions for the same.

Reviewing Credit report.

Calculating income for borrower based upon the documents Salaried/Self-employed/SSA and retired income etc.

Reviewing Alimony/Child support income if available.

Reviewing Asset documents.

ACADEMIC

Graduation B.Tech from JNTU Hyderabad in 2010.

Intermediate in Visakha Dairy Jr College, Visakhapatnam 2006.

Matriculation in Viswavani high school, Kurnool 2004.

STRENGTHS

Inclined and dedicated to work.

Ability to work in cross-cultured teams.

Initiative and easily mingle with others.

Quick learner with can do attitude.

Open to change.

IT SKILLS

Operating Systems : Windows 98/2000/XP/7

Tools : MS Office 2003 & 2007

HOBBIES

Listening Music.

Playing Games.

PERSONAL DETAILS

Date of Birth : 13/12/1988.

Gender : Male.

Marital Status: Married.

Nationality: Hindu, Indian.

Languages Known: English, Telugu & Hindi.

Current Address :Flat #406, 5th Floor,Mythri Residency, OppositePavani Towers, Ambedkar Nagar, Miyapur - 500049

Permanent address: S-10-946, APSP camp, Kurnool, Andhra Pradesh – 518003.

DECLARATION:

I hereby declare that the above-mentioned information is correct up to my knowledge and I bear the responsibility for the correctness of the above-mentioned particulars.

Date:

Place: HYDERABAD (K.LOKESH KUMAR)

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