Santosh Ramachandran

Leadership/Execution/Core Skills:

• Direct and manage Correspondent Lending business and Post Closing Activity across multiple locations (Pune, Mumbai and Bangalore)
• Support development of workflow tool for seamless operational hand offs and robust reporting capabilities
• Managed and allocated staff and material resources to meet production goals
• Hire right talents to the organization in line with the expansion plan
• Enhanced organizational efficiency by gathering business requirements and improving data models and reporting frameworks
• Evaluated upcoming training program plans to forecast expected resource needs
• Strengthened performance metrics tracking and analysis to enhance tactical and strategic company plans
• Support in designing and developing new processes and various business strategies
• Contribute to resource planning, budget management and formulation of procedures
• Set clear goals and expectations for the team members

Process Governance:

• Implemented policies and standard operating procedures for continuous improvement
• Established and maintained backup plans at a process level that will effectively address volume peaks as well as personnel shortages with minimal negative impact to business standards and turn times

People Development:

• Persuade and influence others through strong communication, diplomacy and negotiation skills
• Responsible for achieving and monitoring aggressive team performance targets: productivity, Quality and Client satisfaction, meet / exceed business plan financial commitments
• Conducted performance reviews, offering pay raise, promotions, terminations and recommendations for improvement
• Determine hiring to ensure adequate staffing
• Motivate employee performance and continuously develop talent through encouragement, feedback and coaching

• Maintained excellent attendance record, consistently arriving to work on time.
• Worked flexible hours; night, weekend, and holiday shifts.
• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
• Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
• Analyzed credit, income, compliance, title documents and appraisals during underwriting process.