DEEPAK KUMAR SUBASH
Chennai
Summary
Over 13 years of experience in US Residential Mortgage Loan Services, specializing in processing and underwriting. Proven track record in analyzing, reviewing, and validating mortgage applications with a deep understanding of the end-to-end process. Committed to delivering high-quality results in a technical corporate environment.
Overview
15
15
years of professional experience
1
1
Certification
Work History
ASSISTANT MANAGER (HELOC)
Zenta Mortgage Services LLC
12.2023 - Current
- Company Overview: Part of Accenture Credit Services
- Handling Processing team with the team size of 20 FTE's
- Prioritizes the workflow for the day to day operations and maximize productivity and quality
- Proactively manage the daily reports ensuring SLA's are consistently met
- Improve timeliness and effectiveness of the team and Ensure consistently meets established productivity and quality targets
- Review/manage weekly/monthly Audit findings, developing and tracking corrective action plans
- Monitor quality through audits
- Prioritize day-to-day operations, ensuring productivity and SLA adherence.
- Prepare and present governance deck on team's performance during client call on weekly basis
- Drive process improvements and support automation efforts.
- Part of Accenture Credit Services
Team Lead (Post Closing Underwriting)
Zenta Mortgage Services LLC
01.2019 - 11.2023
- Company Overview: Part of Accenture Credit Services
- Handled Post closing underwriting team with the team size of 30 FTE's
- Review/manage weekly/monthly Audit findings, developing and tracking corrective action plans
- Preparing new and maintain/update existing SOP's and training materials
- Maintaining MIS reports & Monthly score card data
- Conducting trainings for all the new joiners in the process and cross training sessions across the process on new / existing migrations
- Setting monthly Objectives for the team and reviewing them on a weekly basis
- Conducting 1-0-1 feedback sessions with the team members on a Monthly Basis
- Continually find ways to improve processes and/or workflow procedures and preparing Route Cause Analysis (RCA)
- Ensure strict adherence to the company compliance policy across the process
- Part of Accenture Credit Services
ASSOCIATE (Income Calculation), SENIOR ASSOCIATE (Credit Risk) & SME (Underwriting)
Zenta Mortgage Services LLC
12.2011 - 12.2018
- Company Overview: Part of Accenture Credit Services
- Evaluating (QC Audit) income documents (Salaried, Self-employed E Other income) and underwriter findings (income calculation) for the loans (Conventional, FHA E VA) and provide them the feedbacks based on review
- Validating the Onshore Underwriter findings based on checklist, evaluate the documents and provide them the feedbacks
- Validating Initial Credit Decision on loan taken by Onshore Underwriter and provide them the feedback on their decision
- Perform quality controls of loans completed by underwriters and report any discrepancies to the onshore and offshore UW managers
- Ability to detect potential red flags during UW process
- Part of Accenture Credit Services
- Projects worked: Pre Funding Income Calculation, Underwriting Tall bar, Credit Risk
EXECUTIVE WEB RESEARCH
Mobius Knowledge Services
01.2011 - 11.2011
- Researching entire business details on given entity and update the client tool
Education
B.E - ECE
AKCE / Anna University
Virudhunagar01.2010
DECE -
K.L.N College
Madurai01.2007
Higher Secondary School -
Crown Matric Hr. Sec. School
Madurai01.2005
Secondary School -
Crown Matric Hr. Sec. School
Madurai01.2003
Skills
- US mortgage operations (Conventional, FHA, VA)
- Processing and underwriting
- Team leadership
- SLA management
- Stakeholder reporting
- Process optimization
- Root cause analysis
- Operational documentation
- Data analysis
- Workflow management
- Resource management
- Challenge acceptance
- Effective communication
- Analytical thinking
- Problem solving
- Self-motivation
- Adaptability and flexibility
- Process learning
- Task commitment
Certification
- NMLS License Holder, 2289485, Currently holding MLO license for 13 States in USA.
- Yellow Belt, Holder in the Project of Cycle time reduction and maintaining series of MIS reports.
Personal Information
- Father's Name: Subash K
- Notice Period: 3 Months
- Date of Birth: 11/14/87
- Gender: Male
- Nationality: Indian
Awards
- Star Innovator Award for generated more ideas towards process improvement & customization.
- Good Samaritan Award
- Numero Uno Awards for Best Performer in the Team.
Languages
- English
- Tamil
Timeline
ASSISTANT MANAGER (HELOC)
Zenta Mortgage Services LLC
12.2023 - Current
Team Lead (Post Closing Underwriting)
Zenta Mortgage Services LLC
01.2019 - 11.2023
ASSOCIATE (Income Calculation), SENIOR ASSOCIATE (Credit Risk) & SME (Underwriting)
Zenta Mortgage Services LLC
12.2011 - 12.2018
EXECUTIVE WEB RESEARCH
Mobius Knowledge Services
01.2011 - 11.2011
B.E - ECE
AKCE / Anna University
DECE -
K.L.N College
Higher Secondary School -
Crown Matric Hr. Sec. School
Secondary School -
Crown Matric Hr. Sec. School
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