Pavithra Shekar

⮚ Led a 8-member team to ensure timely loan transactions are performed by meeting regulatory timelines.

⮚ Primarily responsible for processing loan transactions in commercial banking across all the lines of business (Asset Wealth Management, Real Estate Banking & Business Banking).

⮚ Demonstrated effective leadership, contributing to the Leadership team’s success.

⮚ Proficient in Advanced Commercial Banking System (ACBS), Loan IQ (LIQ), Leasepak, Strategy, Vendor Loan System (VLS), and their application in daily loan servicing operations.

⮚ On daily basis handling multiple collateral products i.e., Stocks, Bonds, Securities accounts, Savings & CD accounts.

⮚ Perfecting all type of Collaterals and maintaining the record into the Loan System (ACBS & LIQ) to ensure all the collateral has been tracked to ensure the lien is perfected.

⮚ Handling the Flood Insurance, US Mortgages, Title policy to ensure the lien of the Bank as part of Document Review Team.

⮚ Responsible for Lien Perfection for various LOBs to file UCC, UCC Amendments, UCC Continuations and Terminations.

⮚ Handling the market exceptions with the help of various in-house applications.

⮚ Reaching out to the Market/RM for the required document exceptions or loan related queries.

⮚ Responsible for pledging the loan to Federal Reserve Bank in order to increase the pledge pool.

⮚ Ensure that Security Interest/Lien is perfected on the collateral pledged by the Customer to the Bank is always maintained through appropriate lien perfection method depending on the type of collateral being pledged.

⮚ Manages and facilitates timely resolution of issues and ensure that SLAs are met and SOPs are up to date.

⮚ Supervises the preparation of Monthly EMR’s (Employees Management Reporting) and KPI’s (Key Performance Indicators) for analyzing the team capacity utilization and individual performance for recognitions in RnR’s.

⮚ Validation of employee scorecards and EOD Checklist completion along with analyzing the productive hours tracking for the team versus the volume/production tracking to avoid overtimes in performing the normal BAU.

HAMP Program (US Mortgage):

The Different roles we support and the responsibilities carried out on an organizational level are:

Checking basic eligibility criteria of government plan.

· Processing loan as per investors requirement and guidelines

· Analysing the document requirement based on CFPB (Consumer Financial Protection Bureau) guidelines.

· Validating the income and non-income documents of borrower who is eligible for loan modification.

· Completely underwriting RMA package sent by borrower.

· Calculating various source of income document provided by borrower as per the HAMP & MHA guidelines.

· Running Credit Report of borrower to check FICO score (CIBIL sore) and check occupancy of borrower.

· Providing appropriate resolution to borrower (Approval or Denial of Loan).

· Analysing financial documents