Bharath J
Lending Operation Associate Manager (Senior AVP)
Bangalore
Summary
To utilize my skills and abilities in an environment that offers professional growth, where there is large customer interaction and promising to maintain the integrity of the organization through my ethically conscious personality.
Senior AVP with background in overseeing daily operations and team management. Successfully implemented process improvements and streamlined workflows, enhancing productivity and team efficiency. Demonstrated leadership and problem-solving skills in fast-paced environments.
Overview
14
14
years of professional experience
1
1
Language
Work History
Lending Operation Associate Manager (Senior AVP)
Wells Fargo
12.2024 - Current
- Managing Agency servicing team of 15 FTE's
- Have experience of processing of all kinds of Payments, fees and Advances in LIQ
- Sucessfully transitioned secondary site maintance process
- Responsible to manage the stake holder calls and daily BAU.
- Responsible to manage MBR and monthly metrics of the team and presnted the same with senior leadship and stakeholders
- Process: Commercial Banking – Member Loan Servicing
- Performed FMEA activity and identified the many non stnadards in the process and enabled the effective controls
- Worked on preparing SOPs and process workflows
- Motivating Team performance through effective communication and encourage Team Goals, staff participation and
contribution towards process improvement and controls - Facilitating an open environment to encourage staff confidence, ownership of issues and ability to think through solutions
and working on developing the middle management team - Ensuring Knowledge database, Best practices documents and reference points are reviewed at regular interval.
- Managing the resource utilisation, efficient back up structure with the team leaders and making sure proper utilisation of resources
- Prepared a scorecard which help elvauting the TMs performance and decision making
- As part of Quality and SLA improvement initiative, ensuring detailed study of RCA’s of Errors and non adherence of SLA’s
and coming up with mitigation plans. - Conducting weekly & monthly discussions with stakeholders on the progress of operations delivery & performance management
Lead Commercial Loan Servicing Representative
Wells Fargo
05.2022 - Current
- Helping in managing Fee processing team of 9 FTES
- Have experience of processing of all kinds of Payments, fees and Advances in LIQ
- Responsible in conducting daily team huddle and share the updates and address the operation challenges.
- Plan, initiate, lead and manage the operation processes for smooth delivery.
- Training the resources on client processes and develop the team to achieve targets to meet SLA/TAT.
- Migrated Fee process and trained new folks.
- Responsible for daily, weekly, and monthly production quality and status reports
- Handle the escalations and educate the team on the same to avoid any future errors.
- Conducting regular team meetings, internal process audits and process reviews for ensuring strict adherence of process parameters.
- Ensuring continuous interaction with the clients to make sure that area of concern can be worked upon
- Have hands on experience on Loan IQ, AFS systems.
- Engaging in process improvement plans and executions.
- Process: Commercial Banking – Member Loan Servicing
Team leader
Wipro
03.2021 - 05.2022
- Handle the several piece of business like Loan boarding, Libor rollover, Interest reserve, statement requests, Escrow MMA, ACH Pre-note setups
- Handle Client setups and loans modification, extensions and amendments on system.
- Currently handling the Team size of 9 FTE's.
- Plan, initiate, lead and manage the operation processes for smooth delivery.
- Training the resources on client processes and develop the team to achieve targets to meet SLA/TAT.
- Migrated several projects from onshore and preparing SOP's for the same.
- Responsible for daily, weekly and monthly MBR reports.
- Handle the escalations and educate the team on the same to avoid any future errors
- Responsible for regular 1
- 1 to provide the performance feedbacks to individuals based on quality audits and rendering suggestions for the overall process improvement.
- Responsible for individual performance evaluation and Annual/quarterly appraisal discussion and reviews on system.
- Conducting regular team meetings, internal process audits and process reviews for ensuring strict adherence of process parameters.
- Mapping clients and implementing measures to maximize customer satisfaction levels
- Ensuring continuous interaction with the clients to make sure that area of concern can be worked upon
- Have hands on experience on Loan IQ, Financial service desktop
- Process: Commercial Banking – Loan boarding and Loan Servicing
Senior operation analyst
Silicon Valley Bank
06.2020 - 03.2021
- Verification of Syndication Loan and LC documents such as Loan/LC request forms, Credit agreements. Collateral certificate, CAR. Amendments requests. Perfection and consistency certificate, borrowing base certificate
- Verifying customer information like Tax id no, SSN no, address, customer name, commitment amount, interest and fees etc
- Supporting on New, extension and Modification Loans and LC's.
- Servicing for both in house and external deals, verifying the prorate shares of all the participants
- Giving inputs to implementation teams in order the book the loan on Loan IQ and signature applications.
- Sharing the corrections by creating action item to the requester upon any mismatch between loan docs and system.
- Constantly interacting with credit officers, Sales, agent bank and Middle office and Trade finance if any concerns for client.
- Handling the group email boxes and checking whether any rush request, queries or any concerns from client.
- Process: Commercial Banking – Loan boarding Quality check
- Other Responsibilities:
- Keeping the track of workflow tool and assign the work for team members
- Responsible to maintain the process update as it is migrating from third party to in house
- Responsible to learn the process and training the new comers.
- Responsible of EOD status emails, Error tracker and Leave trackers
Senior Operation Analyst
JP Morgan Services India Pvt Ltd, Bangalore
02.2018 - 06.2020
- Verification of client's credit limits, past performance, collateral status and approves LC's.
- Supporting both syndication LC's and Bilateral LC's.
- Directly supporting to credit officers to take a credit decision.
- Interacting with the agent bank and stakeholders/Business partner.
- Provide relevant information to stake holders and Banker as per the request.
- Constantly interacting with credit officers, Sales, agent bank and Middle office if any concerns for client.
- Handling the group email boxes and checking whether any rush request, queries or any concerns from client.
- Hands on experience in working on credit application such as ICRD, ARC, Loan IQ, Deal Works, e-clips, Borrowing Base and Financial service desktop, ABLE.
- Process: Commercial Banking – WLS Credit admin (ARC proposal) Issuing letters of credit.
- Other Responsibilities:
- SME in the team clarifying the doubts raised by peers and direct back up for the team leader in a short span of time
- Helps team by doing UAT Testing for new applications.
- Preparing weekly and monthly MIS reports which gives insight of team's performance and productivity
- Preparing daily EOD control report to ensure that the team met particularized SLA/TAT
- Conducting and cascading the updates to the team on regular basis
- Capturing and reporting the errors of team members diligently while approving the transactions
- Conducting monthly team meetings to provide the team with the updates of the past month, inclusive of the productivity, error analysis, appreciations, sharing best practices, etc.
- Holding daily team huddles, within the team to discuss the daily targets to be achieved and the plans for the day.
- Have trained the new team members.
- Worked in APAC, EMEA and NA
Senior Associate Commercial Lending
Capgemini
04.2015 - 01.2018
- SME of the process
- Training the new joiners
- Retrieve documents from File Net for Quality Checks
- Responsible for Quality check for the processes done by the Client.
- Responsible for review the team work and assign the batches/work to my team members
- Accomplishing the assigned batches on time and maintain the SLA
- Send Error log to concerned Team Manager for correction
- Working on Syndicate loan, Swap loan, commercial loan, Real-estate loan.
- Verifying w8 and w9 form. verifying guarantor details
- Verifying customer information like Tax id no, SSN no, address, customer name, commitment amount etc.
- Preparing MOM discussed in the meeting and updating the same in share point.
- Responsible for creating proper backups when volumes are high and during others absences, accordingly pitching in if there are any requirement
- Process: Commercial Banking – Loan boarding Quality check
Senior Process executive
INFOSYS BPO LIMITED
07.2012 - 01.2015
- Investigating debit card fraudulent transaction by following the protocol & regulations.
- Post investigating the fraudulent transactions and notification to client would be delivered VIA the compliance letter in order to make client aware upon the status of claim. Approve/Deny with appropriate compliance letters.
- Investigating includes various fraudulent activities on the debit card, likewise ATM videos, ACH & Check Card to arrive at the final decision Approve/Deny the case.
Education
MBA - Finance Management
IIBMS Distance Education
Bengaluru, India05-2017
Bachelor's in Commerce - Commerce
Sri Krishna International
Bengaluru, India 04.2001 -
Intermediate - Commerce
VVN College of Commerce
Bengaluru, India01-2009
SSLC - SSLC
Lourdes High School
Bengaluru, India01-2007
Technical skills
Loan IQ, AFS, ICRD, Client web, WBRS, Syndtrak, GSS, Versana, CBOA, Clearpar and Agora
Additional Information
Leadership & team management
- Risk & Compliance management
- Process improvement & Optimization
- SLA management & Operational efficiency
- Analytical thinking & problem solving
- Transition management
- Training and employee development
Interests
Hobbies: listening to music, playing/watching Cricket, bike riding and Hanging out
Professional Achievements / Recognition
- Appreciated by the Underwriters, Senior Underwriters and Onshore Partners for quick turnaround and for resolving the different scenarios.
- Received manager spotlight award for identifying the stale deal sites and saving $149k invoice value
- Received recognition for the effective training of new Team Members.,
- Received ACE award for top performer of the quarter
- CIBI award for receiving multiple approbations from client/underwriters and trade ops
Declaration:
I, Bharath J hereby declare that all the information is true to the best of my knowledge. Place: Bangalore Date: Signature (Bharath J)
Timeline
Lending Operation Associate Manager (Senior AVP)
Wells Fargo
12.2024 - Current
Lead Commercial Loan Servicing Representative
Wells Fargo
05.2022 - Current
Team leader
Wipro
03.2021 - 05.2022
Senior operation analyst
Silicon Valley Bank
06.2020 - 03.2021
Senior Operation Analyst
JP Morgan Services India Pvt Ltd, Bangalore
02.2018 - 06.2020
Senior Associate Commercial Lending
Capgemini
04.2015 - 01.2018
Senior Process executive
INFOSYS BPO LIMITED
07.2012 - 01.2015
Bachelor's in Commerce - Commerce
Sri Krishna International
04.2001 -
MBA - Finance Management
IIBMS Distance Education
Intermediate - Commerce
VVN College of Commerce
SSLC - SSLC
Lourdes High School