JAGADDESAN JAYARAMAN
Tiruvannamalai
Summary
Detail-oriented mortgage loan processor with over 2 + years of experience managing the end-to-end documentation for high-volume residential loans. Expert in conventional, FHA, USDA and VA guidelines, leveraging Encompass LOS to streamline workflows. Consistently maintained a 100% clean file submission rate to underwriting, and was instrumental in reducing the average loan cycle time by 15% (5 days) and 1+ Years Experience in HDB Financial Services High-achieving Retail Sales Specialist with focused experience on driving credit card ,Group Loan Sales and Collection employee (IDFC Frist Bharat Bank) must emphasize a balance of sales/outreach, risk mitigation/collection, and strong community relations.
Overview
7
7
years of professional experience
Work History
Loan Process Assistant
Mphasis Limited
Chennai
06.2023 - Current
- Executed LPA initial steps for various loan types including Conventional, FHA, VA, and USDA
- Facilitated accurate mortgage processing to support loan officers and underwriters.
- Ensured compliance with company policies and lending program requirements to mitigate risks.
- Reviewed and verified borrowers' income (W2,VOE,Paystub), credit reports, fraud reports and employment histories for accuracy.
- Ordered tax return verification (1040,1099,W2) and title insurance for seamless underwriting submissions.
- Conducted identification verification through SSN and ID proof collection.
- Managed documentation such as Form 1003 ,4506-C,8821 and fraud reports to enhance application integrity.
- Reviewing a real estate Purchase Agreement is the single most critical step in a property
Branch Sales Officer
HDB Financial services
01.2022 - 01.2023
- Identify potential customers for credit card sales through various channels.
- Explain the features and benefits of different credit card products to customers.
- Persuade customers to purchase credit cards and complete the application process.
- Achieve or exceed monthly sales targets set by management.
Group Loan Relationship Officer
IDFC Frist Bharat Bank
01.2021 - 01.2023
- Promote company products to new and existing customers.
- To increase customer base and create new business opportunities.
- Follow up customer's inquiry and prepare quotation, follow up sales and the performance aftersales.
- Generate costing from customer drawing and prepare component list to production.
- Prompt & timely collections of payment from customers.
- Assisting marketing manager in marketing activities, exhibition.
- Assisting Sales and Marketing Manager to develop strategic marketing.
- Providing support for marketing events and exhibitions.
Production Line Leader
Flextronics India Pvt ltd
01.2019 - 01.2020
- Company Overview: Contract
- Monitored inventory levels and communicated with other departments to maintain adequate supply of materials and components.
- Developed and implemented quality control measures to meet customer specifications.
- Assisted in training new line workers and providing ongoing training and support to team members.
- Contract
Education
BA - ENGLISH (LITERATURE)
Thiruvalluvar University Vellore
Cheyyar Tamil Nadu05-2019
Skills
- Project management
- Collaboration and teamwork
- Time management
- Analytical thinking
- Process documentation
- Loan processing
- Problem solving
- Document preparation
Languages
- Tamil
- English
Affiliations
- Award-winning, high-performance professional with a proven two-year track record of sustained operational excellence Repeatedly recognized with the "Best Employee Award" for consistently driving production at 125% of target while simultaneously maintaining 100% quality assurance.
Languages
Tamil
First Language
English
Advanced (C1)
C1
Timeline
Loan Process Assistant
Mphasis Limited
06.2023 - Current
Branch Sales Officer
HDB Financial services
01.2022 - 01.2023
Group Loan Relationship Officer
IDFC Frist Bharat Bank
01.2021 - 01.2023
Production Line Leader
Flextronics India Pvt ltd
01.2019 - 01.2020
BA - ENGLISH (LITERATURE)
Thiruvalluvar University Vellore