Harsha C
Lead Commercial Loan Servicing Representative
Bangalore
Summary
To enhance my skills in a dynamic changing organization in attaining the organization goal. Also to strive hard for the achievement of maximum company growth as well as optimal personal growth at works.
Highly motivated and goal oriented with excellent interpersonal skills and ability to work as a team player. ◻ Hard working, young and bright individual with highly advance analytical ability ◻ Ability to work under pressure and easily adaptable to new work environment ◻ Learning Ability - quick learner and Strong attention to detail and desire to acquire new technologies & knowledge ◻ Proficient in Microsoft Excel, Microsoft Word, Microsoft Windows.
Overview
12
12
years of professional experience
4
4
Languages
Work History
Lead Commercial Loan Servicing Representative
Wells Fargo
09.2023 - Current
- Company Overview: DA(Deal Admin) for Syndicated Agency services which has got transition in phase by phase to Bengaluru and Hyderabad team from USA.
- Supervising team of 8 who process loan operations.
- Provide training and guidance to less experienced Commercial loan servicing representatives in interpreting and understanding complex policies as well as managing cross group projects.
- Research, respond and resolve complex inquiries.
- Train others on complex loan agency inquiries and servicing language in loan documentation and interpretation as well as an understanding of financial services and customer support.
- Coordinate and reconcile all loan Advances Payments and Rollovers with member banks and customers and book letters of credit.
- Review and Monitor Credit agreement and update Financial Covenants as per the Amendments made to credit agreement also update Borrowing Base Borrower quality rating Asset quality rating Credit quality rating Financial leverage ratio changes Borrower expiry and maturity dates as per Credit agreement received by LOB.
- Support loan trading and assignments.
- Prioritize work and provide day to day work leadership and mentorship to support team.
- Lead or contribute to customer issue resolutions that require coordinate among various teams.
- Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals.
- Receive direction from lenders.
- Exercise independent judgement while developing the knowledge to understand function, policies, procedures and compliance requirements.
- Preparing Schedule activity report in LOAN IQ Application.
- Monitoring unscheduled Activities and scheduled activities.
- Make sure the team members are completing the assigned requests within the SLA.
- Participation in team meetings and Client meetings.
- DA(Deal Admin) for Syndicated Agency services which has got transition in phase by phase to Bengaluru and Hyderabad team from USA.
Senior Analyst
Silicon Valley Bank
07.2020 - 09.2023
- Company Overview: Worked for a Pilot process which got migrated from Accenture.
- Auditing all onboarding requests for newly on boarded customers.
- Working on private equity and Accelerated growth type of customers.
- Auditing requests on Initial fundings.
- Reviewing documents such as LSA amendments, Portfolio documents, holdovers.
- QA for loan origination, renewal and modification requests.
- Issuing error tickets to respective team for incorrect details updated in system based on system procedure.
- Reviewing all the documents provided by legal team and front office(Documentation process).
- Application used such as RMS, Ncino, flexcube and signature.
- Also cross trained on ticket creation(Middle office support) received from lenders and routing to respective teams based on the nature of work(Servicing, Loan origination team etc).
- Monitoring the live mailbox and Assigning the requests to team.
- Also will be assisting the onshore team in case of any escalations.
- Preparing EOD report, doing recon for team and escalate in case of any error found also will be doing internal Audit samples and will be sending the report.
- Scheduling team meetings and also will be sending MOM whenever there is a team meeting.
- Participating in meetings of Loan IQ Migration and attending calls and will be providing suggestions.
- Knowledge and experience in preparing RTGS/CHATS payments, Swift payments, RMB cross border payments.
- Worked for a Pilot process which got migrated from Accenture.
Senior Analyst
Deutsche Bank
06.2019 - 07.2020
- Processing rollovers(repricing's) Draws, Payments and maintenance requests received through workstation and e-mails on a daily basis.
- Assign work to the team and approving their transactions (Two Touch).
- Working on customer queries and solving their queries through emails.
- Processing interest payments and fees and rolling over interest period on month ends and quarter ends.
- Working on Notice needed and Audit confirms on daily basis.
- Preparing Schedule activity report in LOAN IQ Application.
- Monitoring unscheduled Activities and scheduled activities.
- Completing the assigned requests within the SLA.
- Participation in team meetings and Client meetings.
Transaction Processing Specialist
JPMorgan Chase Bank
07.2017 - 05.2019
- Company Overview: Commercial lending process.
- Processing Draws, Payments and maintenance requests received through workstation and e-mails on a daily basis.
- Assign work to the team and approving their transactions (Two Touch).
- Completing the assigned requests within the SLA.
- Assisting Client Servicing Group(CSG) and business partners through e-mails and calls for obtaining information regarding application of payments and disbursements of draws.
- Participation in team meetings and fast boards.
- Moving the entire team's batch work into Deal works Application.
- Performing all research and maintenance activities on commercial loans such as Address Changes, Auto Debits, Cancellations of facilities, Interest paid letters and Payoff quotes.
- Approving all the maintenance request such as DDA accounts, wiring instructions and ACH instructions.
- Commercial lending process.
- Maintained an efficiency and productivity of more than 100% throughout the period and rated as the Critical source by the management.
- Was awarded 'Most Improved Specialist', 'Star Performer of the Month' and 'Quality Champ' for the excellence delivered.
Senior Processing Executive
Cognizant Technology Solutions
10.2015 - 07.2017
- Company Overview: ADPI (American Dental Partners Insurance) Cash posting process.
- Verifying the Provider checks and Patient Information.
- Ensuring payments.
- Posting refunds on over paid claims upon receipts of reimbursement refund checks with EFR report.
- Providing Stop payment confirmation to the checks issued to incorrect beneficiary.
- Analysing the duplicate entries and taking corrective action.
- Responsible for root cause analysis based on cheque received from provider and analysing patient correct information.
- Working on all the reports FRED, FINREC MS ACCESS and FINRECMS EXCEL database by providing suitable date used on frequency of the reporting.
- ADPI (American Dental Partners Insurance) Cash posting process.
- Trained 6 New Hires on the process.
Claims Processing Executive
Hinduja Global Solutions
11.2012 - 10.2015
- Company Overview: For an American Health Insurance company Humana.
- To follow up with Health Insurance Companies in US for health claims status on Accounts receivable, to make sure the claims get paid, escalation to the higher level as needed to resolve the claims issues.
- Working on the Overpayments made by Insurance company to the providers or patients and refunding back the amount to the insurance company through applications.
- Refunding the payments for the services provided by providers to patients.
- Payment posting.
- Processing claims.
- Should post the relevant charge in the appropriate patient's account.
- Posting of the details contained in the EOB.
- Reviewing EOBs.
- Denial Processing.
- Initiate the process for the denied claims.
- Responding to the client E-mails and also assisting etc.
- For an American Health Insurance company Humana.
- Received 1 Top gun award for highest production and 100% quality.
- Received 1 spot award for extra work like handling 2 processes.
Education
Bachelor of Commerce -
Vivekananda Degree College
Bengaluru Master of business Administration -
Sikkim Manipal University
Bengaluru Skills
Leadership capabilities
Accomplishments
- Maintained an efficiency and productivity of more than 100% throughout the period and rated as the Critical source by the management.
- Was awarded 'Most Improved Specialist', 'Star Performer of the Month' and 'Quality Champ' for the excellence delivered.
- Trained 6 New Hires on the process.
- Received 1 Top gun award for highest production and 100% quality.
- Received 1 spot award for extra work like handling 2 processes.
Disclaimer
I hereby declare that all the above information is true and fair to the best of my knowledge.
Personal Information
- Father's Name: Late.ChandraShekar Murthy
- Mother's Name: Manjula.C
- Date of Birth: 03/10/91
- Gender: Male
- Nationality: Indian
Timeline
Lead Commercial Loan Servicing Representative
Wells Fargo
09.2023 - Current
Senior Analyst
Silicon Valley Bank
07.2020 - 09.2023
Senior Analyst
Deutsche Bank
06.2019 - 07.2020
Transaction Processing Specialist
JPMorgan Chase Bank
07.2017 - 05.2019
Senior Processing Executive
Cognizant Technology Solutions
10.2015 - 07.2017
Claims Processing Executive
Hinduja Global Solutions
11.2012 - 10.2015
Bachelor of Commerce -
Vivekananda Degree College
Master of business Administration -
Sikkim Manipal University
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