Dhiraj Kumar
Building #365 Flat #M1B, Krishna Kunj Apartment, Shalimar Garden Ex 1, Sahibabad
Summary
- Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adapt at working effectively unsupervised and quickly mastering new skills.
- Willing to work on any type of assignment and hard work with 'can do' attitude.
Overview
21
21
years of professional experience
Work History
Team Coach Underwriting
SitusAMC Corporation FKA Assimilate Solutions India Pvt. Ltd
Gurugram
04.2020 - Current
- Responsible for evaluating overall loan documents and providing an underwriting decision after reviewing the Borrower's capacity, capital, collateral, and credit.
- Made careful determination based on skilled analyses of submitted documentation covering credit histories, employment records, Income documents and current financial status.
- Determined credit risks by reviewing files in advance and compare data against Internal checklist and guidelines.
- Evaluate loan application, determining creditworthiness, assessing risk and establishing loan conditions.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Review Appraisal Report, Title policy and commitment, Loan application, Credit Report etc. to verify accuracy and completeness.
- Analyzed data to identify root causes of problems and recommend corrective actions.
Senior Analyst Title Examination
SitusAMC Corporation FKA Assimilate Solutions India Pvt. Ltd
Gurugram
04.2014 - 04.2020
- Examining & Verifying all the documents of the property and the parties involved in the transaction of Sale, Purchase and Refinance of Real Estate, before issuance of the insurance policy, checking of all the judgments and liens against the property like Deed of Trust, Judgements, Bankruptcy, Federal Tax Lien, State Tax Lien, Child Support, Divorce Decree etc.
Sr. Process Associate
Oracle Financial Services
11.2006 - 03.2013
- Worked in a process related to US mortgage domain which deals in US Property Hazard insurance, my key responsibilities in current process are as follows.
- To Setup the new line of insurance on MSP for newly purchased loans.
- Verification of loan related docs.
- Mark the mail to client for any further action required.
- Processed Worked in OFSS : Loan Setup (Loan origination process).
- Received Loan Origination Documents (1003, Appraisal Reports, Credit reports) through Loan Agent by mail.
- If all relevant information are correct we set-up the loan and inform the lender by mail.
- We set-up the loans only for prime & non-prime borrower.
- Preparing the set-up loans report on excel & share it with internal management.
Team Member - Exception Processing
eFunds International India Private Limited
04.2004 - 11.2006
- Company Overview: 24x7x365 org.
- Exceptions involve greater skill set of analysis and decision-making and a major responsibility.
- We receive checks for credit card payments without any stub or credit card number in it therefore it was our responsibility to post those checks to the correct account of the card member with the help of various screens and utilities through the Vision Plus software.
- Working in this process involves a lot of analysis, integrity and decision making as we work with the critical information of our US based customers like their Social Security Number, Phone Number, Work and home address, records relating to their Personal Banking Accounts, Routing Number of their checks, their payment trends etc. with the help of which we would make a decision as to which account the checks needs to be posted.
- 24x7x365 org.
- Joined as a Team Member, selected for a major process.
- Confirmed within 3 months of the joining.
- Wining the spots Award for willingness to learn the new things and extra activities together the work.
Education
B.A. - pass
Punjabi University
Patiala01.1997
Post Graduate Diploma - Computer Application
Punjabi University
PatialaSkills
- Good knowledge of various US domains, like Underwriting, loan origination, servicing, and title examination
- Problem solving and Decision Making
- Adaptability and Flexibility
Accomplishments
- Got Client award in Loan Set-up process
- Got Star of the Month in Hazard Insurance process 3 times
Hobbies and Interests
Listening Slow Music, Cricket
Languages
English, Hindi, Punjabi
Timeline
Team Coach Underwriting
SitusAMC Corporation FKA Assimilate Solutions India Pvt. Ltd
04.2020 - Current
Senior Analyst Title Examination
SitusAMC Corporation FKA Assimilate Solutions India Pvt. Ltd
04.2014 - 04.2020
Sr. Process Associate
Oracle Financial Services
11.2006 - 03.2013
Team Member - Exception Processing
eFunds International India Private Limited
04.2004 - 11.2006
B.A. - pass
Punjabi University
Post Graduate Diploma - Computer Application
Punjabi University
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