Monotosh Paul

• Lead a team of analysts and associates responsible for executing capital call financing and NAV-based credit facilities for private equity clients
• Partner with underwriters, deal structurers, and credit officers to assess loan portfolios, structure collateral packages, and determine advance rates based on LP/GP profiles
• Oversee collateral account setup and monitoring in line with DACA agreements, ensuring all capital calls and distributions are timely reported and tracked by clients
• Manage team performance in performing line-by-line reconciliation of capital calls, validating cash inflows, and tracking delinquent LPs for eligibility in the collateral pool
• · Direct the execution of detailed LP due diligence leveraging PitchBook, Preqin, Fitch Ratings, and credit agency data (Moody’s, S&P, Fitch) to assess counterparty risk
• Supervise quarterly covenant tracking, ensuring key financial data is recorded in internal systems to support future investment decisions and credit reviews
• Guide covenant compliance reviews, identifying breaches, underperformance, and escalating issues for mark-to-market actions or collateral reclassification
• Collaborate with third-party vendors for loan data tracking and performance reporting to support real-time operational transparency and portfolio integrity
• Deliver regular updates to senior stakeholders on operational KPIs, covenant health, and collateral performance across the portfolio
• Monitored key business risks and established risk management procedures.
• Built high-performance teams through effective recruitment practices focused on competency alignment coupled with ongoing performance management processes.
• Leveraged technology to automate workflows and streamline processes, resulting in increased productivity and cost savings across the organization.

● Spearheaded mortgage loan pipeline reviews to ensure accurate and timely movement through bid stage until trade settlement

● Work closely with the Mortgage Trading Desk with facilitating due diligence (at both the trade and asset levels) of residential backed portfolios for acquisitions, sales, and securitizations

● Pre & Post Trade Due Diligence includes Valuations, Title review, Insurances, OFAC, TILA

● Credit Underwriting- 4 C’s (Credit, Capacity, Capital, and Collateral). Review & Risk Assessment of Lending Guidelines for Prime Jumbo, Non-QM, DSCR & HELOC Loans

● Credit Analysis & Early Payment Default Assessment – Consumer & Unsecured Lending

● Created Standard Operating Procedures (SOPs) and provided comprehensive training to team members and new recruits

● Directed multiple cross functional processes aimed at improving operational workflows and increasing productivity

● Collaborating closely with divisional leadership to align operational strategies with organizational goals

● Playing key role in client engagement activities; enhancement relationships and understanding business needs

● Overseeing daily operations and resource planning to ensure optimal team productivity and adherence to SLAs. Regularly analysed performance metrics, implemented efficiency initiatives, and drove data-backed decision-making

● Managing team attrition and staffing levels to maintain consistent service delivery, while building a positive, high-retention work environment through mentorship and engagement strategies

● Delivered timely, detailed productivity and performance reports to senior management, offering

transparency into operational trends and improvement areas

• Lead a team of 45 FTEs for a data entry project related to US Mortgage collateral documents. Users navigating the counties websites to update the property information in an application relating to US Mortgage for a comprehensive data set
• Enhanced team productivity by implementing efficient work processes and regularly reviewing performance metrics.

• Spearheaded mortgage loan pipeline reviews to ensure accurate and timely movement through initial disclosures, loan processing, underwriting, and closing stages
• Ensured 100% compliance with federal regulations (TRID, RESPA) by establishing internal quality control checkpoints during origination
• Led cross-functional communication between processors, underwriters, and closing agents to ensure seamless borrower experience and zero rework cases
• Managed daily pipeline reports and ensured SLA adherence across disclosures, verifications, and condition clearances
• Conducted root cause analysis for delayed closings, resulting in a 15% increase in on-time closings quarter-over-quarter
• Implemented risk-based monitoring procedures that reduced processing errors and enhanced investor delivery performance
• Developed and maintained standardized checklists for loan disclosures and pre-underwriting reviews in alignment with Fannie Mae/Freddie Mac guidelines
• Partnered with compliance and legal teams to update SOPs mitigating regulatory and reputational risk
• Supervised and mentored a team of 45+ mortgage professionals across processing and closing units, improving productivity through regular training and coaching
• Tracked KPIs such as initial disclosure turn time, loan application-to-approval cycle, and submission-to-closing conversion rates
• Maintain necessary reports viz Daily EOD report to the client and management displaying the number of units been processed, status and TAT, Shift Allowance, LOP notification
• Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback as needed.

• Managed end-to-end processing and follow-up of appraisal orders from lenders and clients, ensuring timely report delivery and SLA compliance
• Conducted detailed reviews of completed appraisal reports for accuracy, regulatory adherence, and alignment with underwriting guidelines.
• Generated and published daily, weekly, and monthly appraisal quality reports to monitor team performance and inform management decisions
• Maintained and updated daily QC dashboards, tracking total loans processed, number of loans audited, and calculated audit sampling rates
• Monitored client-specific error trends by maintaining a real-time quality tracker; proactively communicated findings and performance metrics to leadership

• Quality check on the Appraisal and Broker Price Opinion Reports completed by the appraisers and brokers in US for major real estate clients and banks in USA
• Review the report to make sure that appraiser follow the USPAP guideline and state laws
• Once the report is reviewed and no errors found, finally approve the report for delivery to the lender for the loan origination