Chittanuri Santhosh Kumar

• Led execution of cross-functional business and change initiatives, partnering with Product, IT, Risk, and Operations teams to ensure successful delivery aligned with organizational goals and regulatory requirements.
• Analyzed business, compliance, and operational metrics to identify process gaps, root causes, and improvement opportunities, contributing to risk reduction and performance optimization.
• Performed data validation, quality checks, and impact analysis on change records to ensure completeness, accuracy, and adherence to change control policies.
• Supported program and change delivery by acting as a focal point for execution across multiple sub-LOB governance forums and agile cabinets.
• Collaborated within Agile environments, participating in ceremonies and governance routines while identifying execution deficiencies and driving remediation with Product and IT teams.
• Reviewed and assessed risk attributes, control responses, and supporting documentation, ensuring consistency with policy standards and audit expectations.
• Developed and presented data-driven insights and recommendations to senior leaders and executive management to improve business execution and risk management effectiveness.
• Managed end-to-end change documentation, including validation, archiving, and maintenance of artifacts using SharePoint and enterprise collaboration tools.
• Communicated clear, actionable feedback to change owners through written analysis, enabling timely resolution of data gaps and compliance issues.
• Provided work direction and mentorship to junior team members, supporting execution quality and adherence to governance standards.
• Utilized independent judgment to manage moderate-risk deliverables, balancing operational efficiency, compliance, and business outcomes.

Roles & Responsibilities:

· Centralized Credit Risk Monitoring (CCRM) is part of Commercial Banking (CB) & Corporate and Investment Banking (CIB). This team initially setup to address the compliance issues identified by FDIC.

· Checking compliance of Commercial Banking & Corporate & Investment Banking.

· Ensuring all credit policy exceptions are updated in Loan system of record and approving accordingly.

· Performing RCSA activity for Delegated Credit Approval Authority (DCAA) deals and approving them accordingly.

· Ensuring Credit Approval documents Fall Back OTE Language matches the legal terms for the OTE deals.

· Coordinating with respective LOB liaisons for smooth transition and BAU of various queues.

· Collaborating with submitters through emails for ongoing reviews of SOR CPE, OTE & DCAA.

· Performing monthly key reporting activities- LOB wise defect analysis reports using trailing 3 months average reject percentage.

· Sharing recommendations to respective LOB liaisons to improve quality percentage by analyzing data at line of business, submitter and defective wise.

· Work allocation to I&P team.

· Updating senior management with daily start of the day reports.

· Preparing Utilization, AHT, TAT & volume summary reports and sharing weekly reports & monthly dashboards to all stake holders.

· Sampling and assigning peer audit for US team on HRB reviews completed and track & summarize the responses

· Reviewing Peer Audit for India Team

· Being an SME of CPE Code Validation process, required to regularly coordinate with all the stakeholders (including counterparts and liaisons of other lines of business) to understand if there are any missing /redundant steps to address them effectively.

· Participate in and provides consulting and support for projects and initiatives with moderate risk to identify and mitigate credit risk in business activities

· Accurately identify applicable credit policy exceptions by reviewing the credit documents, High Risk Borrower templates.

· Clarify and credibly challenges in case of ambiguity or deviation to the policy and procedures • Be a liaison to all the stakeholders (including the Credit risk teams and Other LOB's) in handling the enquiries and ensuring all the pending/outstanding items are reviewed and completed.

· Provide updates and inputs to the counterparts and all key stakeholders on the developments of the CPE Code Validation and DCAA product and suggest any recommendations with respect to understanding of the business requirements to other Line of Business.

· Participate in team meetings with counterparts on the Credit Risk updates and any escalations in Credit related products across Commercial and Wholesale Loans.

· Monitor closely any risks events and escalate them in timely manner to the management.

Managing the CRE portfolio of the client(Invesco, RBC) by preparing the rent analysis, IRR and lease analysis of the property by creating the underwriting report and also preparing the IPD on date and projecting them on a platform called crest. Preparing the internal reports of the team such as Performance of the team(MIS-reporting), Production and quality of the team.

Roles and Responsibilities:

• Preparation of Underwriting reports of the deals which consists the calculations of IRR etc

• Preparation of Summary of the rent, Lease and other values sent by the servicer.

• Reconciliation of data prepared in the time of the creation of initial Business plan (estimated rental Value) and actual rent data.

• Projection of the reconciled data on a platform called Crest and Monitoring the platform the timely Basis.

Payoff Process
Payoff Process deals with Payoff Mailbox, Payoff quote, Approvals, Cash action form, Escrow disbursement
o Cash transaction related to borrowers’ monthly constants, misc. expenses, late fees, defaults with the instructions coming
through various sources which has to be posted accordingly and balance out all the transactions received for the day
o Reconciliation of cash action form according to the payoff statement provided
o Providing Investor Reporting ( Preparing reports for the onshore partners)
o Preparing Internal reports on Performance of the team (MIS Reporting) & Macro templates for team in excel
o Examining yearly revenue and clients data
o Verifying employee timesheets and giving approvals on the timely basis

 Concluding all HR reporting documents and presenting them for senior manager approval
 Validating all overtime hours with the appropriate management personnel prior to issuing payroll checks
 Obtaining and confirming direct deposit banking information from employees
 Calculating and cutting appropriate amounts from payroll checks, including tax withholdings and other garnishments
 Monitoring internal payroll and accounting audits on a semi-annual basis
 Submitting documents as requested from HR Manager
 Preparing Dashboards for the easy of process
 Providing weekly reports of yearly, Clients and Exit information for the board members

New Loan Set-up
 New Loan Set-up deals with
o Handled boarding new loans into an application known as Strategy for servicing. We have four different types of
loan boarding in Commercial Mortgage (RECM, Warehouse, Securitization and WFMC Loan Boarding)
o Involved in Investor Reporting ( Generating reports for the onshore partners)
o Preparing Internal reports on Performance of the team (MIS Reporting) & Macro templates for team in excel
Overall Responsibilities
 Creating Macro templates for the ease of the process
 Responsible for End to End reporting daily, weekly & monthly with respect to utilization, productivity, TAT monitoring,
time monitoring and quality
 Performing inventory management, including uploading, assigning, managing and delivery
 Advising the new team members and the under-performers in the team
 Actively participating in team meetings and providing enough feedback for all the team members, and engaging them as a
senior team member
 Presenting a variety of periodic as well as ad-hoc reports for management plus business groups and distributing processrelated
data, and documenting them accordingly
 Serving as Quality Reviewer in the Team
 Acting as a Spoc for OSAC audit in the team
 Proactively recognizing process gaps by examining the workflow & the risks associated with it, resolving/escalating them
by preparing the corrective action plans
 Implementing the domain Knowledge for solving the queries in the process
 Generating Process Maps using Visio
 Starting audio/video conferences for all the process-specific doubts, clarifications, and project discussions with the LOB
and presenting the same to the rest of TM’s
 Reviewing all processes and procedures and maintaining records of current processes and procedures
 Developing business operations, increasing the business growth through having internal controls, process study &
productivity improvements
 Offering a variety of periodic as well as ad-hoc reports for management groups and distributing process-related data and
document them accordingly
 Operating on bi-weekly employee payroll payments on time and through appropriate channels