Anuj Kaushik

GENERAL DUTIES & RESPONSIBILITIES

• Reviews, analyzes, and interprets correspondence related to account maintenance.
• Ensures loan applications comply with governmental regulations and requirements by reviewing complex legal documents and regulatory requirements (Loan Operations Analyst).
• Performs quality control on new and existing loans using internal reports and loan documentation to verify data input is correct and documents accurate and in regulatory compliance. (Loan Operations Analyst).
• Communicates professionally with clients and third parties through multiple channels (phone, email, workflow tools).
• Researches and resolves internal and externally submitted account questions and problems.
• Performs high risk task processing including maintenance on accounts having regulatory or monetary implications, e.g., payment/research corrections, credit bureau dispute research, Reg Z disputes, loan payoff processing, fee processing, loan modifications. (Loan Operations Analyst).
• Meets production standards for account servicing tasks.
• Completes account maintenance.
• Processes loan payoff requests. Processes paid loans.
• Follows up on insurance information, and processes insurance on accounts.
• Processes payments and payment exceptions.
• Performs escrow analyses. Prepares and executes annual escrow analyses.
• Monitors daily reports and follows-up as required.
• Performs quality review of mortgage and consumer loans.
• Reconciles general ledger accounts.
• Researches credit bureau disputes. May make decisions on appropriate actions.
• Performs various deposits processing tasks (Deposit Operations Analyst).
• Processes account closure requests.
• Disburses funds to appropriate endpoint. Places requested holds and stops.
• Processes card-related requests (adjusting card limits, requesting new cards.
• Handles client's correspondence (incoming, returned mail).
• Generates correspondence for customers to service accounts.
• Processes returned items, researches encoding errors, conducts large-dollar signature verification, reviews EARNS notifications.
• Demonstrates a high level of proficiency with FIS and third-party applications based on either loan operations or deposit operations responsibilities (IBS, Profile, ALS, Horizon, Starview, Origenate, FLO, CLO, FIS Lockbox, FOS, Vision Content, FCM, SRM, SM, SharePoint, nGage, and third-party applications, e.g., Oscar, CoreLogic, Overby, Seawell, SalesForce, DealerTrack, CSC).
• Maintains current internal procedure manuals and writes drafts for changes.
• Other related duties assigned as needed, Collections call to Other FIs i.e., JPMorgan Chase, Wells Fargo, Bank of America, Community First CU etc....
• In FIS Banking Solutions, working on different error types for BMO Harris Bank: -

1. Encoding Error

2. Posting Error

3. Non - conforming Image (NCI)

4. Non - cash Item (NCH)

5. Posted Twice

6. Photo and Original

7. Return Charge backs (RCB)

8. Duplicate Detect

9. Missing Deposit/Missing Loan

10. Wrong Payee Credit

11. Check 21 Indemnity Claim

12. Proof of Suspense (No Debit/Credit Offset)

13. PS Numeric Line Discrepancy

14. PS Out of Balance

• In FIS Banking Solutions, Software's working for BMO Harris Bank N.A are: -

1. TRIPS Case Processor

2. HOST

3. Document Direct

4. RIP on BOW (Incoming/Exceptions)

5. Service Now (SNOW)

6. Lock box, RIDS (1)/RIDS (3)

7. Viewpointe National Settlement Exchange

• In FIS Banking Solutions, For BMO Harris N.A prepare OATS privacy report on every Friday and key out viewpointe details in Viewpointe National Settlement Exchange in 101/161.

Bosa Properties Inc, Canadian Property Management Company.

• In Yardi Voyager, Accounts payable of Canadian Property Management company i.e., Bosa Properties Inc.
• Statement Reconciliation, Utility report.
• Liquor Store, prepare debt/sales report of Dawson, South Quesnel & Westside stores.
• As an Asset manager, evaluate risk parameters while analyzing proposed investment prospects monthly.
• Evaluate the highest possible property value and return on investment for each asset and for the overall portfolio of the owner.
• Market research of each unit of the property and provide details that it is sound investment or not.
• Analysis and prepare data report of employment growth, population growth, income growth, and more.

FIRVA Capital Management, LLC (Bay Security Services), United States.

• Prepare and Maintained ICS template financial report, include Assets class, Liability class & Total Full Value of that county, city etc.
• Analysis of Compounded Annual Financial report and Disclosure report of that County, School District, City etc.

Mayfield Management Group Ltd. (MMG), Canadian Property Management Company.

• Prepare and maintain monthly financial of 33 entities related to Condominium, Rental & Rental Pool Properties.
• General Accounting, Accrual Accounting with Utilities, Contracts etc.
• Reviews of backup information and documentation.
• Reconciliation of Balance sheet sub ledger accounts.
• Perform the month-end and year-end closing process by analyzing and preparing journal entries and accruals.

• In QuickBooks online, Accounts Payable/Receivable of US firms.
• Bank Reconciliations related to PayPal, Bank of America, Chase Credit card, American Express etc.
• Day to Day Categorization of accounts.
• Monthly billing process.
• Maintaining the weekly Timesheets related to the work.
• Financial Analysis of one of the US client “Bay Securities Services”.