ATGUR SAMEER

• Primary Role - Funds Disbursement: Timely disbursement of funds for diverse business products, ensuring alignment with line-of-business requirements and organizational policies and procedures.
• Portfolio Management: Reviewed and analyzed various Commercial Banking portfolios, providing timely account status updates in accordance with organizational policies and procedures.
• Account Evaluation: Conducted comprehensive evaluations of accounts prior to fund release, coordinating with finance partners to meet specific line-of-business needs.
• Middle Market & Tech Finance: Managed Middle Market and Tech Finance accounts, delivering tailored resolutions based on deal specifics.
• Audit & Management: Performed post-disbursement account audits and managed portfolios for multiple finance partners.
• Control Reporting: Prepared and managed control reports related to vendor management, dealer administration fees, subsidy calculations, and sales tax.
• Process Improvement: Collaborated with upstream and downstream teams to enhance knowledge of policies and procedures, identifying and implementing process improvement opportunities.
• Root Cause Analysis: Conducted in-depth root cause analysis to identify and address underlying issues impacting operational efficiency and risk management. Implemented corrective actions that reduced recurrence of incidents, improved process reliability, and enhanced compliance with risk management standards.
• Operational Risk Collaboration: Worked with Operational Risk, Control Executives, and Process Review and Enhancement teams to log and monitor issues and corrective actions.
• Divisional Priorities: Drafted and executed target operating models, reviewed divisional forecasts, budgets, and cost allocation models in alignment with Shared Services priorities.
• Location Strategy Review: Evaluated Shared Services' location and offshoring strategies, focusing on concentration risk.
• Risk Assessments: Initiated and managed risk assessments including Information Security, Business Continuity Plans, Third Party Hosting Solutions, and Vendor Viability Assessments.
• Third Party Risk Management: Oversaw onboarding, due diligence, continuous monitoring, and termination of third parties in compliance with Wells Fargo's Third Party Risk Management policies.
• Regulatory Compliance: Ensured adherence to relevant risk standards, policies, and regulations to maintain a robust control environment.
• Complex Inquiry Resolution: Researched and resolved complex inquiries, coordinating and reconciling loan advances and payments with member banks and customers.
• Capital Markets Operations: Demonstrated a fundamental understanding of front-to-back capital markets financial operations, including client onboarding, security master management, middle office support, tax documentation, and cost basis knowledge.
• Middle Office Functions: Experienced in middle office functions, including settlements, trade matching, and reporting.

Managed Loan Servicing for Various Banking Products: Banker Acceptance, Standby Letters of Credit, Non-Loans, Bilateral, Syndicated & Agent Deals:

· Audited and processed special payment plans by reviewing account details, updating interest rates, and routing to the appropriate queue.

· Reconciled accounts by validating fees, due amounts, and dates, ensuring compliance with federal laws, and taking corrective actions for delinquent files.

· Ensured adherence to all credit policies, procedures, and federal/state laws governing credit and loans.

· Collaborated with risk management to analyze and restructure complex, high-risk accounts.

· Conducted financial performance analysis, identified industry trends, reviewed team deliverables, and prepared client reports and pitch documents.

· Mapped requirements, developed processes, and implemented procedures in line with company guidelines.

· Reviewed WIP and control reports, investigated open receivables and suspense items, and escalated unresolved issues as per policy.

· Addressed discrepancies between agent instructions and LS2 system information.

· Reconciled fee calculations with accruals, making adjusting entries with detailed explanations.

· Requested credit approvals for loans, ensuring compliance with internal policies.

· Matched incoming funds with receivables and maintained records of notifications from agents and customers.

· Billed borrowers for interest and fee payments, collected payments, and distributed lender shares.

· Reviewed facility documents, validated pledged securities, and verified pre-drawdown conditions for funding.

· Ensured timely processing of all scheduled drawdowns, providing justifications for any delays or failures.

· Analyzed accounts to determine optimal solutions for resolving delinquencies and protecting company interests.

· Delivered daily debt status updates to investors, ensuring accurate reporting.

· Assessed default accounts and executed appropriate actions, including financial reviews and legal measures.

· Led sub-processes including Chapter 13 plan reviews, Proof of Claims, and Motions for Relief.

Additional Responsibilities and Skills Gained:

· Developed strong expertise in the banking lifecycle and account reconciliation processes.

· Cross-trained across multiple business departments, becoming a recognized subject matter expert.

· Enhanced process efficiency by updating SOPs, monitoring workflows, and aligning with compliance standards.

· Reviewed scheduled activity reports, proactively following up on missing information for upcoming actions.

· Allocated and monitored work volumes, ensuring tasks were completed within Service Level Agreements (SLAs).

· Prepared and presented operational metrics and dashboards to management, highlighting team productivity and capacity.

· Tracked errors, conducted root cause analysis, and provided periodic reports to support training and performance improvement, ensuring error rates were consistently low.

· Led daily huddles and team meetings, discussing volume updates, key learnings, and process changes.

· Prepared monthly Key Performance Indicator (KPI) and control reports, presenting them in management meetings, and developed action plans to address recurring issues and improve overall performance.

• Managed customer accounts, providing comprehensive billing statements and addressing billing inquiries.
• Conducted billing and reconciliation of bank accounts, delivering accurate loan information to customers.
• Contributing towards loan recovery by tracking account dues, updating customer records, and ensuring timely collections.
• Oversaw real-time billing, accounts payable, and account adjustments to maintain financial accuracy.
• Addressed queries and escalations related to funding and trade bookings of Banker Acceptance, ensuring completion before cutoff times.
• Reviewed agent notices, calculated and applied interest and fees, and performed reconciliation to maintain financial integrity.
• Analyzed and organized financial data, presenting clear and actionable insights to stakeholders.
• Managed daily BAU operations and performed end-of-day (EOD) checks to ensure process completeness and accuracy.