Preetam Kumar

• Global Billing & Invoicing Management: Handle the Global Travel Client Billing/Invoicing (AR) process for Amex GBT, ensuring invoices are prepared according to client contracts.
• Invoice Preparation: Ensure accurate invoicing for corporate clients in accordance with the contractual terms and conditions agreed upon with each client.
• Critical Client Portfolio Oversight: Manage key U.S. Client accounts, monthly billing clients, and ensuring smooth and accurate billing processes.
• CFS Settlement Management: Oversee the CFS Settlement process, ensuring 100% accuracy and timely delivery within the specified TAT.
• Client and Team Coordination: Collaborate closely with Client General Managers and the U.S. team via email and calls to ensure prompt resolution and closure of billing issues.
• Report Generation and Trend Analysis: Prepare critical reports such as Timeliness, Rerun, Refunds, and KPIs using MS Excel. Analyze trends in unbilled clients, and present findings to management, along with the quarterly GSM report.
• Client Query Resolution: Investigate and resolve client billing queries, providing regular updates to senior management.
• Settlement Processing: Ensure timely batching of all U.S. settlements, handing them over to the invoicing team for further processing.
• LOA File Preparation: Prepare and maintain the Letter of Authorization (LOA) file.
• Settlement Recalculation: Recalculate, void, or retro-calculate settlements as needed.

Associate Post Closing (April 2021 - November 2021):

• This refers to the tasks involved after the mortgage loan has closed. It typically includes reviewing all documents and ensuring that everything is in order
• Review ECP (Electronic Payment Control): In mortgage terms, ECP might refer to the review of electronic payment control processes, where payments (like monthly mortgage payments) are tracked and ensured to be processed correctly. You would verify that electronic payments have been applied to the correct accounts.
• Prepare ICD (Invoice Confirmation Document): An ICD could be a document confirming the charges or fees that were applied during the mortgage process, including closing costs, interest rates, or any adjustments related to the loan. You would prepare this document as requested by the client to verify the financial details.
• Review the Tax Payment: This could involve reviewing the tax payments made on the property tied to the mortgage, ensuring that property taxes have been paid correctly and are up to date, which is important for the homeowner and the lender.
• Prepare Rate Quote: Rate quotes in a mortgage context refer to providing potential clients with a summary of the interest rate for their mortgage loan based on factors like creditworthiness, loan type, and market conditions. You would prepare these rate quotes when a client is looking to lock in their interest rate.
• Compare Lender ICD with Lender CD (Closing Disclosure): The Lender ICD (Invoice Confirmation Document) might outline the charges and terms of the loan. The Lender CD (Closing Disclosure) is a detailed document that includes the final loan terms, costs, and fees for the borrower. Comparing these two ensures that the documents match, and that the borrower is not being charged incorrectly.

• Manage team production sheets, share feedback, and generate quality reports.
• Document Validation: Ensure all documents uploaded into the system comply with the guidelines.
• Credit Report Evaluation: Reviewed and assessed borrower credit reports to evaluate creditworthiness, ensuring compliance with lending criteria.
• FICO Score Analysis: Analyzed FICO scores and credit history to determine loan eligibility, ensuring appropriate loan terms, and interest rates based on credit performance.
• Debt-to-Income (DTI) Assessment: Reviewed and calculated the borrower’s DTI ratio, ensuring alignment with lending guidelines, and identifying potential risk factors.
• Review of Delinquent Accounts: Identified and flagged late payments, defaults, and collections, working with borrowers to address discrepancies or issues.
• Credit Inquiries & Account History Validation: Assessed recent credit inquiries and verified account histories to ensure accuracy, resolving any discrepancies or errors before proceeding with loan approval.
• Loan Eligibility Determination: Provided recommendations for loan approval or denial based on the findings from the credit report, including additional documentation requests for marginal applications.
• File Tracking: Monitor the progress of all assigned files to ensure they are completed within the designated turnaround time (TAT).