Mohan Kumar V
Chennai
Summary
Dynamic professional have 12.5 years of extensive experience in US Banking and Loan operations and servicing. Managing a team of loan syndication, loan origination and servicing, Agency loans, partcipative loans, Bilateral loans, Syndicate loans, Mortgage loans, commercial loans.
Responsible offshore POC for commercial lending operations, Syndicate loan operations day to day operational and serviving deliverables, SLA management, Knowledge transition, Client Management, Team Management, MIS reports, MIS team handling, Process improvements, Process Automation, Process training etc..
Overview
13
13
years of professional experience
Work History
Team Manager - Participation/ Syndication Loan
Wipro Limited
Chennai
05.2020 - 10.2023
- Monitored assigned admins portfolios, daily transactional exception activity on syndicated and participated facilities, including system posting of all funds received or disbursed.
- Review agent notices, new loan requests, funding requests, repayment instruction, rollover requests, loan conversion and payoff notices and process accordingly.
- Received daily research and maintenance requests from lending officers, relationship associates, bank customers and correspondent financial institutions and performed the necessary analysis and system input required.
- Reviewed and cleared various exception reports including Fees, Interest, Past-due and Paid loan, by determining the necessary monetary and systems maintenance required for resolution.
- Completed pay-off quotes and verification of loans.
- Monitored and performed system input as needed for the proper administration and correctness.
- Managed email box for Loan Operation and distributed incoming wires, e-mails and request to appropriate business areas.
- Responded to inquiries within guideline and provided a high level of service in order to maintain a good working relationship with internal and external customers.
- Implemented training programs to maximise team member development and potential.
- Train new joinees how to navigate loan operations systems: Loan IQ, ACBS, AFS, BIS, IRIS, Loan app, OVS, GPP, Intellimatch, T360 etc..
- Analyzed team performance data to provide meaningful insights, enabling informed decision-making.
- Established team priorities, maintained schedules and monitored performance.
- Set aggressive targets for employees to drive company success and strengthen motivation.
Team Leader - Mortgae Loan Origination and Underwriting
Visionet Systems Pvt Ltd
Chennai
10.2018 - 05.2020
- Lead multiple team and handled US mortgage end to end process. Loan documents review, loan origination processes,loan setup, loan processing and loan underwriting.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Team Leader - Mortgage Loan Origination and Underwriting
Digital Risk Mortgage Services LLC
Chennai
01.2018 - 09.2018
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Subject Matter Expert 2 - Default Mortgage Claims Servicing
Cognizant Technology Solutions Pvt Ltd
Chennai
04.2016 - 01.2018
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
- Generated, posted and attached information to claim files.
- Reviewed outstanding requests and redirected workloads to complete projects on time.
- Checked documentation for accuracy and validity on updated systems.
SME - Commercial and Residential Loan Underwriting
Accenture Services Pvt.Ltd
Chennai
03.2011 - 04.2016
- Assessed loan portfolios for compliance with underwriting policies.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Education
Master Of Business Administration - Human Resource And Systems
Srinivasa Institute of Engg And Tech
Chennai03.2009
Bachelor Of Science - Computer Science
Cherraan's Arts Science College
Kangayam04.2009
Additional Information
- Lead a contunious improvement project Cash break reconciliation automation report. Saved 1 FTE effort per day and $15,084.00 per annum.
- Achieved leadership choice award and people champion award for excellent process delivery and for effective team handling
- Certified Commercial Lending Practitioner and Residential Mortgage Underwriter through Accenture Commercial Credit Academy.
- Achieved Client excellence awards best Innovator award for innovating time saving and FTE reduction ideas.
Skills
Enthusiastic people person, Advanced problem-solving, Great organizational skills.
Timeline
Team Manager - Participation/ Syndication Loan
Wipro Limited
05.2020 - 10.2023
Team Leader - Mortgae Loan Origination and Underwriting
Visionet Systems Pvt Ltd
10.2018 - 05.2020
Team Leader - Mortgage Loan Origination and Underwriting
Digital Risk Mortgage Services LLC
01.2018 - 09.2018
Subject Matter Expert 2 - Default Mortgage Claims Servicing
Cognizant Technology Solutions Pvt Ltd
04.2016 - 01.2018
SME - Commercial and Residential Loan Underwriting
Accenture Services Pvt.Ltd
03.2011 - 04.2016
Master Of Business Administration - Human Resource And Systems
Srinivasa Institute of Engg And Tech
Bachelor Of Science - Computer Science
Cherraan's Arts Science College