JAYANTH KUMAR M

• Oversaw the credit assessment process for loan applications, reviewing documentation, financial records, and creditworthiness to minimize risks; assessed applicants’ creditworthiness by analyzing financial data, credit reports, and property appraisals to make informed lending decisions; managed risk exposure by ensuring loans were approved within the institution's credit policies, risk appetite, and regulatory framework.
• Approved housing loans within established authority limits, and recommended higher-value loans to senior management for final approval. Structured loan terms, repayment schedules, and interest rates were based on customer profiles and risk analysis, ensuring competitiveness while safeguarding the bank's interests. Coordinated with other departments to ensure timely and compliant loan disbursements.
• Supervised and trained a team of credit officers and loan processing staff, ensuring high performance and adherence to operational standards. Set team goals, monitored performance, and provided feedback and coaching to enhance productivity and efficiency. Fostered a collaborative work environment, promoting knowledge sharing and teamwork across departments. Conducted performance reviews, provided feedback, and encouraged professional development to enhance team productivity.
• Ensured all legal documentation and property paperwork were complete, accurate, and coordinated with the legal and compliance teams to ensure all loan agreements met legal standards.
• Ensured continuous enhancement of loan processing systems, working closely with IT and operations teams to integrate new opportunities for process improvements, enhancing both operational efficiency and loan quality, to reduce turnaround times and improve customer satisfaction.
• Prepared detailed reports on the branch’s credit portfolio performance, including loan approvals, disbursements, delinquencies, and recoveries. Provided senior management with insights and recommendations for improving credit operations. Ensured all audits, compliance checks, and regulatory reviews were successfully conducted without discrepancies.

· Managed operations and quality, enhancing US Mortgage processes with measurable improvements.

· Developed SOPs and quality checklists, ensuring consistent process health reporting.

· Implemented performance plans, achieving significant team productivity gains.

· Facilitated daily process huddles, providing actionable feedback on targets.

· Resolved client escalations with thorough RCA, enhancing client relations.

· Collaborated with teams to enhance processes, achieving measurable efficiency improvements.

· Extracted and analyzed reports to optimize production planning and quality assurance.

· Reviewed and validated data to ensure accuracy, supporting underwriters with detailed analysis.

· Updated and verified data accuracy, ensuring compliance and reporting outcomes effectively.