Open To Work
KAVIYASUDHARSON THIYAGARAJAN
Bangalore
Summary
Results-driven banking professional with 4.6 years in loan processing, mortgage operations, KYC, and credit risk. Expertise in validating loan documentation and reconciling discrepancies while ensuring compliance with US lending guidelines. Effectively manages high-volume workloads and collaborates with underwriting teams and stakeholders to enhance loan processing efficiency.
Overview
5
5
years of professional experience
3
3
years of post-secondary education
Work History
PROCESS ASSOCIATE
TATA CONSULTANCY SERVICES- LLOYDS BANKING GROUP
Bangalore
08.2024 - 04.2026
- Reviewed Repayment behavior of the loans taken by the commercial customers and intimated the customer through SMS and letter for missing payments and maintain accurate records in the system.
- Reviewed and initiated next repayment plans for the customers who are at the end of the existing repayment plan.
- Managed repayment plan setup for delinquent/recovery accounts by processing customer payment arrangements and maintaining accurate system records.
- Handled invoice validation and proforma preparation by reviewing customer invoices, populating required payment details, verifying supporting information, routing validated requests to the payment team and Coordinated with internal payment teams to facilitate accurate and timely invoice settlements
- Reviewing core and system balances of the customers and amending the system if any discrepancies found to maintain the system same as the core balance.
- Managed opening of MOA (Manual obligation account) accounts for government-backed and commercial lending portfolios by reviewing onshore requests, validating customer information, updating systems, and ensuring compliance with operational SLAs.
- Generated MIS reports and productivity dashboards enabling tracking of workflow and performance metrics.
- Managed Team in the absence of the Lead, Maintained KPI and SLAs by coordinating with team members, Prepared EOD reports and acted as MIS for senior management.
- Served as SME in client calls, conducting training sessions and knowledge refreshers to enhance team competencies.
PROCESS ASSOCIATE
TATA CONSULTANCY SERVICES- CITI BANK
Bangalore
09.2021 - 07.2024
- Reviewed and validated loan origination documents including loan applications (1003), bank statements, tax returns, credit reports, and income documents.
- Ensured all loan files met credit policies and underwriting guidelines before submission.
- Reconciled discrepancies in loan documents, ensuring accuracy of borrower information, property details, and income verification.
- Coordinated with sales, underwriting, and closing teams to resolve documentation gaps, enhancing turnaround time.
- Maintained accurate updates and audit trails in LOS and CRM systems.
- Oversaw daily pipeline of 50-60 cases, meeting SLA and quality standards to maintain operational efficiency.
Education
Bachelor of Arts - English literature
Kongu arts and science college
Erode 04.2018 - 04.2021
Bharathi Matric Higher Secondary School
Erode, IndiaBharathi Matric Higher Secondary School
Erode, India Skills
- Loan origination
- Mortgage processing
- Underwriting support
- Document validation
- Discrepancy resolution
- Financial analysis
- Stakeholder coordination
- Black Knight- Loansphere
- Loan servicing
- PEGA-8
- Customer workspace
- Debt manager-Commercial
- Repayment plan setup
- Repayment plan review
- Repayment & arrears review
- Attention to detail
- Adaptability
Tools Knowledge
- Black Knight- Loansphere
- CRM Tools & Case Management Systems
- SharePoint & Document Management Systems
- PEGA 8
- Customer my workspace
- Debt manager commercial
- MS Excel (MIS reporting, data handling)
Awards and recognitions
- Employee of the month- 11/01/23
- Employee of the month-03/01/25
- Employee of the month-10/01/25
- Service and commitment award-09/01/24
- Learning Achievement award-02/01/24
Hobbies
- Reading books
- Writing poems
- Listening songs
Languages
Tamil
First Language
English
Advanced
C1
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
On-SiteHybridRemoteSalary Range
₹550000/yr - ₹600000/yrTimeline
PROCESS ASSOCIATE
TATA CONSULTANCY SERVICES- LLOYDS BANKING GROUP
08.2024 - 04.2026
PROCESS ASSOCIATE
TATA CONSULTANCY SERVICES- CITI BANK
09.2021 - 07.2024
Bachelor of Arts - English literature
Kongu arts and science college
04.2018 - 04.2021
Bharathi Matric Higher Secondary School
Bharathi Matric Higher Secondary School