M. CHANDRESH KUMAR
Loan Servicing Specialist
Bangalore
Summary
Loan Servicing Specialist IV managing syndicated, mortgage, and investor loan activity across the full lifecycle. Uses escrow accounts, payments, and payoff requests with tight control discipline. Ready to contribute in a Loan Servicing Specialist IV role supporting complex portfolios and compliance review.
Overview
3
3
Languages
1
1
Certification
9
9
years of professional experience
Work History
Loan Servicing Specialist IV (Operational Analyst)
J.P. MorganChase
05.2021 - Current
- Maintain 100% reconciliation accuracy across loan setup, accruals, payments, and escrow records.
- Process 800 payoff requests monthly while preparing accurate settlement statements and applying control checks.
- Manage syndicated, mortgage, and investor loans in line with credit agreements and regulatory requirements.
- Process redraws, rollovers, payments, and ARM adjustments across complex loan servicing activities.
- Review closing documentation and coordinate with banks to resolve discrepancies and maintain compliance.
- Calculate total payoff amounts from loan terms, payment history, and account details; prepare accurate payoff statements and escrow disbursements.
Assistant Manager
Kotak Mahindra Bank
06.2019 - 12.2021
- Reduced fraud incidents by 85% through branch coordination and timely reporting to FCMU.
- Resolved 200 customer complaints across 15 PAN India branches to strengthen customer satisfaction.
- Mapped client requirements and advised customers on selecting appropriate banking products.
- Coordinated with branch teams and FCMU to track escalations and close fraud-related issues promptly.
- Maintained complaint logs and status updates in MS Excel for faster follow-up and reporting.
- Prepared clear customer and branch communications using Microsoft Office Suite to support daily operations.
- Supported quality control review of case details to improve accuracy and reduce repeat issues.
Officer
Axis Bank
03.2017 - 05.2019
- Resolved 500 customer complaints nationally by streamlining issue resolution and follow-up processes.
- Guided customers across the region through account issues and resolution steps to improve satisfaction.
- Followed up with peer banks to recover funds and support bank profitability.
- Applied RBI guidelines to identify irregular and fraudulent transactions and escalate exceptions for review.
- Used MS Excel to track complaint trends and monitor recovery follow-ups across regional cases.
Education
Certified Investment Banking Operations Professional - undefined
Imarticus Learning
Chennai, India11-2020
Master of Business Administration - Finance
University of Madras
Chennai, India05-2019
Bachelor of Science - Visual Communication
St. Joseph's Arts & Science College (University of Madras)
Chennai, India05-2016
Skills
Loan syndicate
MS Excel
Syndicated loan administration
Payoff processing
Escrow administration
Microsoft Office Suite
Team management
Financial planning
Credit agreement review
Regulatory compliance
Interest calculation
Collateral tracking
Investor reporting
Interest calculation
Quality control review
Portfolio reporting
Accomplishments
- Gold Medalist
- University Gold Medalist in Bachelor Degree from University of Madras
Key Achievements
- Sports
- People Engagement
Certification
Certified Investment Banking Operations Professional
Interests
Sports, People Engagement
Key Achievements
Gold Medalist, University Gold Medalist in Bachelor Degree from University of Madras
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Affiliations
- JP. MorganChase
Languages
English
Bilingual or Proficient (C2)
Tamil
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Timeline
Loan Servicing Specialist IV (Operational Analyst)
J.P. MorganChase
05.2021 - Current
Assistant Manager
Kotak Mahindra Bank
06.2019 - 12.2021
Officer
Axis Bank
03.2017 - 05.2019
Bachelor of Science - Visual Communication
St. Joseph's Arts & Science College (University of Madras)
Master of Business Administration - Finance
University of Madras
Certified Investment Banking Operations Professional - undefined
Imarticus Learning