Shiva Prakash G

• Personal Lending Authority (PLA) of £50,000 on Unsecured Lending UK
• Working on Overdraft, Personal Loan, Credit card, Credit Card limit increase and Current a/c for UK region
• Performing credit search Experian and Transunion
• End to End search on credit report in order to identify potential hit such as Personal Loan, Overdraft, Revolving Debt
• Affordability/Income calculation of the customer to check creditworthiness or ability to pay back
• Making decision on lending application based on the information given by the customer and underwriting the application as per procedure
• Establishing the referral reason by Underwriting the application

Hired me for new project but it was postponed to next 3 months. Mean while got opportunity in captive company thus joined HSBC.

• Supervising a team of 26 Associates and meeting the operational tasks such as Business metrics, Quality, Identifying problems, Improving service levels (SLA's) and developing metric to measure growth and performance (UT, RPH, Quality)
• Setting up call with business consultants for updating the procedures as in when it comes (SOP's)
• Connecting with business leaders on monthly basis to present monthly business review (MBR)
• Implementing opportunities for process improvement and risk control development and escalating issues to senior management
• Preparing work allocation to the team, Daily operational tasks - Setting expectation to the team in daily huddle
• Point of contact for the resolution of customer escalations, enquirers and complaints from external and internal customers
• Performing the role of an SME in managing the process, assessing gaps and providing recommendations
• Managing and nurturing relationships with stakeholders and working closely with them to understand challenges and prioritize opportunities for process improvements
• Driving 'first-time right' culture within the team and working closely with the quality team to understand gaps and taking timely actions
• Understanding the customer and training staff on process and checking their knowledge by test
• Analyze existing operational process, identify areas for improvements and implement streamlined solutions to enhance efficiency
• Monitor key performance indicators (KPI's) and generate reports to evaluate the teams performance , identifying trends and making data driven decisions
• Identify and explain the dependencies between various teams and understand both upstream and downstream impact of the process
• Ability to guide and train others in Risk, controls and regulatory aspects of the process
• Creating motivated work environment and atmosphere
• Responsible for monthly 1:1 and discussing about individuals performance and encouraging them to enhance skills for career/personal development
• Responsible for yearly appraisal cycle and discussion
• Responsible for raising access to the systems and process for new joiners and trainees in IAM tool
• Responsible for access revocation for internal movements of the TMs and voluntary termination of TMs in Workday tool
• Responsible for approving shift allowances/Leaves on weekly basis in Workday
• Responsible for taking care of long leaves such as maternity leaves, medical leave and updating the status in Workday and informing the same to concerned teams

• Act as a manager backup and responsible for allocating work to the team and sharing work completion status on hourly basis and motivating team to achieve daily target
• Point of contact for leadership team, SME group, management group in the absence of team manager
• Subject matter expert - Cascading process update to the team, solving process queries, giving buddy support,
• Trainer - giving process training to new joiners and cross trained resources
• Sharing KPI metrics to the team with the help of manager
• Working on loans to ensure meeting the TAT

• Verifying all the loan documents and processing as per the SOP's
• Analyzing and verifying credit report and help the underwriter to make effective decision
• Reviewing and updating all the information related to customer in CORE application which has given by customer through loan application and other documents for processing the mortgage loan
• Ordering the tax return transcripts on behalf of customer and validating the copy once received from Internal revenue service

• Evaluate complete loan documents and should provide approval or denial decision
• Updating all the customer information in CORE app such as Name, Spouse, SSN, Employer and income details etc,,,
• Validating customer income documents such as pay stubs, SSA, Pension, Retirement and doing income calculation of the customer
• Evaluating the searches on LDP/SAM (Limited Denial Participation and System Award management) website to prevent loan being sanctioned to fraudulent customer
• Complete review of Credit report, Collateral and Property evaluation
• Assets verification - Bank statements, Retirement a/c, Mutual funds and other investments
• Analyzing qualifying income from tax documents such as 1040, Schedule E, 1065,1120, 1120s, K1, Transcripts, etc,,,
• Based on above documents and associate review on the loan as per SOP's - loan will be pushed to underwriter and he will take a call based on the loan notes given by the processor