Senior Analyst
Resume:
Roseline. L
Block *th, # **, Palguna police qrts
Koramangala
Bangalore – 560 034
Email ID – ***********@*****.***
Mobile # - 994-***-****
Career objective
o Seeking a position to utilize my skills and abilities in the industry that offers Professional growth while being resourceful, innovative and flexible.
Employment Experience – 6 years and 9 months
o ISG NovaSoft Technologies Limited (October 2008 to April 2011)
o First Indian Corporation (July 2006 to October 2008)
o ICICI Prudential Life Insurance Company (September 2005 – July 2006)
o Anand Shiksha Kendra- CBSE (May 2004 to June 2005)
Professional Experience
Organization: ISG NovaSoft Technologies Limited
Designation /Duration Foreclosure Senior Analyst (Oct 2008 to April 2011)
Responsibilites As Foreclosure Senior Analyst, responsibilities include:
o Dealing with Judicial and Non Judicial Foreclosures
o Referring the File to foreclosure as per the Client request
o Provide the default letters and all other loan documents to Attorney firms to proceed with foreclosure.
o Referring the loans to foreclosure manually as per the client request
o Reinstate the files as per the request by running the scripts and provide the Escrow breakdown
o Complete the referal work within agreed turnaround time (TAT)
o Running the process related reports and assign to the team on daily basis
o Running the quality report on weekly basis which is used by managment to identify any potential process improvement or transformation
o Address all the issues and intercoms within 24hrs
o Update the Process updation tracker
Key achievements o Awarded as Top Performer
o Completed sucessfuly 3 months transition to India for foreclosure process
Organization: First Indian Corporation (July 2006 to October 2008)
Designation /Duration Process Associate
July 2006 to October 2008
Responsibilites As specialist in Default Service responsiblity included:
Managing end to end foreclosure activities. Responsibility here includes:
Initiate the foreclosure:
o Analyze the borrower bankruptcy status using US website PACER
o Draft a fair debt letter reflecting all outstanding debts of the borrower
Funishing client with all required info of borrower to take legal action:
o Update borrowers information in client application which includes borrower address, legal description, deed information screen as defined in ‘deed of trust’
o Notify the client of the hearing and sale dates and other client requested information.
Foreclosure Presale
o Check the legitimacy of the property on sale by verfiying the property address, any liens on the property, legal description
o Schedule the publication dates , once the publication date set it will be published in united state news paper that property is getting foreclosued and sale of the property will be on so
Sale Result
o We have 3 kinds of Sale result
o a) Sold to 3rd party
o b) Sold to investor
o c) Real estate owned(REO)
o Once the sale is done property ownership should be transferred with in 24hrs from the sale.
Eviction
o a. Judicial: to evacuate the property in judicial states its take 72 hrs to six week
o b. Non-Judicial: In this within 72 hrs property should be evacuated.
Managing Bankruptcy related activites. Responsibilities here includes:
o Bankruptcy Mail – Is the process of recording and uploading documents to the respective attorneys via Bankruptcy Management System (BMS) for different chapter
o Bankruptcy Check – the check here inclides to verify whether the borrower filed Bankruptcy, chapter filed, when Borrower filed Bankruptcy in US Official Website (PACER/ACER)
o Update entire details in Client’s ‘Bankruptcy Management system’ and the details includes, Borrower’s name, Borrower’s address, property address, Chapter filed, Court name, Borrower’s attorney name, Borrower’s attorney address, Case number
o Verify the status of foreclosure (active or inactive) before filing the bankruptcy
o Notify the client on the bankcruptcy status through a weekly report
As Process owner, responsibilites includes:
o Day to day workload managment within team to meet the agreed SLA
o Train the new staffs
o Provide regular updates and necessary guidance to the team on process change
o Prepare quality reports on daily basis
o Prepare Monthly and Weekly operational report for management team
As responsible for Due Diligence process responsibilites includes:
o Data Integrity check: Accuracy and completeness of information provide by Borrower to the lender.
o Property Appraisal: Types of appraisal made on subject property appraisal value v/s sales value, appraisal comments.
o Employment: Verification of employment and Assets
o Running quality report on daily basis
As responsible for Credit analysis, responsibilites includes:
o Personal information verification: This is to identify the individual, hopefully distinguishing him or her from every other individual on the planet. It includes social security number, current and past addresses, and current employment
o Information gathering from public records (states and counties). This includes liens, garnishments, foreclosures, bankruptcies, law-suits and judgments
o Collect Information from collection agencies. This consists of past due debts that have been given to collection agencies to collect
o Information from creditors: This includes the identity of the creditor, the date the relationship began, the current status of each account including the amount outstanding, the maximum line if any, current status of the account, and past delinquencies.
o Other verifications inlcudes: Date on which account was opened, kind of credit (installment, such as a mortgage or car loan, or revolving, such as a department store credit card), Whether the account is in the borrower’s name alone or with another person, Total amount of the loan, high credit limit or highest balance on the card,
o Other credit Analysis includes: How much the borrower still owes, Fixed monthly payments or minimum monthly amount, Status of the account (open, inactive, closed, paid, etc.), How well the borrower has paid the account
Key achievement o Awarded as Best Performer 3 times within span of 2 years
Organization: ICICI Prudential Life Insurance Company
Designation /Duration Branch Admin
September 2005 – July 2006
Responsibilites o Responsible to complete branch by providing good working environment to employees, coordinating with Sales and Operations departments, Preparing agreements, handling front office and back office.
Organization: Anand Shiksha Kendra (CBSE)
Designation /Duration Assistant to Principal
May 2004 – June 2005
Responsibilites o Assisting principal in office work, maintaining salary registers of staff and students records registers. Drafting letters to CBSE Board, handling front office.
Education / other Qualifications
Course
Year Institution /Organization
MBA (Finance) Perusing (4th Sem) Sikkim Manipal University
B.Com (Finacial Management)
2004 Baldwins Womens Methodist College
Hindi B.A 1998 Kranataka Hindi Prachar Parishad
Typing Course 2004 Karnataka Secondary Education Examination Board
Computer Skill
2003 NIIT LIMITED
Languages Known
o English, Kannada and Hindi
Interests
o Reading Books, Listening Music
Personal Details
o Date of Birth : 06, November 1984
o Nationality : Indian
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