James Rohan

- Conduct comprehensive reviews of mortgage loan applications to assess borrowers' creditworthiness, employment history, financial status, and property valuation.

- Analyze financial documents including tax returns, pay stubs, bank statements, and credit reports to determine eligibility for loan approval.

- Utilize automated underwriting systems and software tools to evaluate loan applications and generate risk assessments.

- Collaborate with loan officers, processors, and other stakeholders to gather additional information and clarify discrepancies in loan files.

- Ensure compliance with Barclays underwriting guidelines, as well as UK and scotland regulations

- Identify potential risks and recommend appropriate actions to mitigate them, such as requiring additional documentation or adjusting loan terms.

- Communicate decisions effectively to internal teams and external clients, providing clear explanations for approval, denial, or conditional approval of loan applications.

- Stay updated on industry trends, market conditions, and regulatory changes affecting mortgage underwriting practices.

- Taking ownership on Mortgages- Drawdown- Completions All the stages

- Managed a pipeline of mortgage loan applications, coordinating with borrowers, loan officers, and third-party vendors to facilitate timely processing and closing of loans.

- Reviewed loan files for completeness and accuracy, ensuring all required documentation was obtained and verified according to company and regulatory standards.

- Liaised with underwriters to address any outstanding conditions or documentation needed for loan approval.

- Conducted preliminary reviews of loan applications to identify potential issues or red flags before submission to underwriting.

- Provided exceptional customer service, addressing inquiries from borrowers and resolving issues throughout the loan process.

- Completion Team: This is a team within the mortgage lender or financial institution responsible for coordinating the final steps of the mortgage process

- Their primary role is to ensure that the funds are released on time to the solicitor, allowing the transaction to be completed, Funds Release: The completion team works with the solicitor to arrange for the transfer of the loan funds to the seller (in a purchase) or to the existing lender (in a refinance)

- Title Transfer: In a property purchase, the legal ownership of the property is transferred to the buyer, and any existing mortgage on the property is settled

- The solicitor oversees this process and ensures that all necessary documentation is in order

- The completion team's role is pivotal in ensuring that the funds are disbursed appropriately, all legal and financial requirements are met, and the property transaction is successfully completed, This involves coordinating with the solicitor and other parties involved in the transaction to ensure a smooth and timely process.

- Member of CRM system to better manage our customer data, track and deliver service efficiently and thereby improving the user experience

- Managing Team working to provide translation, transcription, captioning, subtitling, voice-over, typing & audio description services from all around the world

- Providing opportunities to Freelancers, via contract, Upwork, Fiverr and Many more Flatforms and deliver the project to the customer on time and according to the agreed-upon specifications

- Submitting the Project within the SLA and Given TAT, seek feedback from the customer and project team to identify areas for improvement

- Conducting Proof reading, Quality checks, monitor customer satisfaction and address any post-delivery issues promptly

- Involve the customer throughout the project to gather feedback and validate requirements

- Conduct regular progress reviews with the customer to ensure alignment.

- Effective Client Interaction and management my primary responsibility is to address customer inquiries, issues, and concerns while providing excellent service and established High confidence with Clients by implementing effective solutions and plans during emergency situations and achieved TAT on client satisfaction

- Mentoring new advisors reporting to the Team on day-to-day activities and imparting Process Knowledge, primarily reviews documentation for new customer accounts, completion of Quality Checks and report to Leadership on defects

- Conduct a risk assessment for complex or high-stakes tasks

- Identify potential points of failure and take proactive steps to mitigate them and establish a feedback loop that encourages open communication and reporting of errors

- This allows for quick identification and resolution of issues as they arise

- Achieved 85% customer satisfaction rating, reduced customer complaints by 25%, and increased average transaction speed by 20%.