James Rohan

1. *Identification of Risks*: Responsible parties in RCSA are tasked with identifying potential risks within their operational areas. This involves understanding the activities, processes, and systems under their purview to pinpoint potential vulnerabilities and threats.

2. *Assessment of Risks*: Once risks are identified, the next responsibility is to assess them. This includes evaluating the likelihood and potential impact of each risk on the organization's objectives. The assessment phase helps prioritize risks based on their severity and likelihood of occurrence.

3. *Control Design and Implementation*: Responsible parties are also accountable for designing and implementing controls to mitigate identified risks. This step involves developing strategies, policies, procedures, and mechanisms that reduce the likelihood or impact of risks to an acceptable level.

4. *Monitoring and Reporting*: Continuous monitoring of implemented controls is crucial to ensure they remain effective over time. Responsible parties are expected to regularly review and assess the performance of controls and report any deviations or emerging risks promptly.

5. *Documentation and Communication*: Clear documentation of the RCSA process, including risk assessments, control measures, and monitoring activities, is essential. Responsible parties should also communicate effectively with relevant stakeholders, such as management and auditors, to provide updates on risk management efforts and ensure transparency.

6. *Continuous Improvement*: Finally, those involved in RCSA are responsible for fostering a culture of continuous improvement. This includes learning from past incidents, updating risk assessments based on new information or changes in the business environment, and adapting control measures to evolving risks.

• Collaborated closely with underwriters to accurately assess risk levels for prospective clients and set appropriate pricing models.
• Reduced company losses by implementing effective risk control strategies tailored to specific client needs.

In summary, the responsibility in Risk Control Self Assessment involves a systematic approach to identifying, assessing, controlling, monitoring, and continuously improving risk management practices within an organization. Each step is crucial for maintaining effective risk oversight and ensuring alignment with organizational objectives and risk tolerance levels.

• 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.
• This offer outlines the terms and conditions of the loan, including the interest rate, repayment schedule, and any special conditions
• 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.
• Funding Release: Once the drawdown request is received and processed by the lender, the necessary funds are released to cover the purchase price or to pay off an existing mortgage, depending on the situation
• Completions: In the context of mortgages, 'completions' refers to the final stage of the property purchase or refinance transaction

• 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%.