SRIVANI VALUSA

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PROJECT-1: Loan Origination Process

• Good knowledge of US mortgage, loan origination cycle, processing, loan setup, compliance, loan audit, closing.
• Good knowledge of different types of mortgage loans, such as conventional, FHA, VA, and USDA.
• Reviewed documents and completed data entry in client application.
• Communicated with liaison to acquire necessary documents via email.
• Provided resolutions to clients upon issue identification.
• Worked on various documents, including 1003, note, appraisal, and credit report.
• Generated scrub report and verified internal errors in client application using Mindbox.
• Prepared TRID sheet based on initial and final closing disclosures and loan estimates.
• Conducted training sessions on error handling and escalation procedures within team.
• Good communication and interpersonal skills with colleagues and onshore counterparts helped in the smooth functioning of the business and improved the turnaround on the requests.
• Reach out to the BS/client for required information through emails, telephone, and chat across the globe.
• Document the received upgraded documents, and upload them into the client application, subsequently updating the screens in accordance with the new documents.

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PROJECT-2: KYC periodic Review Process
⦁ Conducting Due Diligence and Know Your Customer (KYC) research for institutional & corporate
clients as part of the business- periodic review process.
⦁ Responsible for timely completion of KYC periodic reviews on different clients under S&P global,
covering AMERICAS, APAC & EMEA Regions, as per GMS and CSS requirements.
⦁ Search on entities, collect the regulators, registry, listed information, ownership structure, SOF, SOW, NOB and other relevant information sourcing from approved resources and update in system with relevant details. Upload all necessary documents in client application.
⦁ Conducting extensive research on our clients using various external and approved sources available such as, Bankers Almanac, D&B, and registries to confirm client’s existence and collection of KYC details such as Nature of Business, Unique/Tax ID, Ownership structure etc.
⦁ Sending the Emails to the BS/Client for the missing/additional information.
⦁ Client/Business out reach for additional & missing information/documents like Director’s list,
Authorized Signatories etc., to ensure timely and accurate completion of KYC Periodic reviews.

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PROJECT 1: US Mortgage – Document Review/Clearing Process

• High quality of perceptive in document analysing i.e., Initial 1003, AUS, Credit Report, Income Documents, Bank Statements, Purchase Contract, Appraisal Report, Title Commitment, etc.
• Capable to do all form of income calculations like Salaried, Self-employed, Other Income's and Rental Income.
• Proficient in analysing the documents required as per the scenario.
• Understanding various investor restrictions.
• Evaluating the financial strength of borrowers to determine risk and repayment capacity.
• Raising SLE and reaching the broker for documents.
• Adding respective conditions as per the requirements in LOS.
• Running AUS, 1008 & 1003 and uploading the same in LOS.
• Verifying AUS and taking respective decisions based on the clauses.

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PROJECT 2: KYC Periodic Reciew Process
⦁ Responsible for timely completion of KYC periodic reviews on all UBS Investment Bank clients covering AMERICAS, APAC & EMEA Regions, as per CIP.
⦁ Guiding the new joiners in sourcing the KYC documents, preparing the KYC file & perform screening.
⦁ Sending the Emails to the BS/Client on behalf of the team for the missing/additional information.
⦁ Sourcing the GMS and CSS documents from the approved sources.
⦁ Client/Business out reach for additional & missing information/documents like Director’s list, Authorized Signatories etc., to ensure timely and accurate completion of KYC Periodic reviews.
⦁ Identifying Day-to-day controllers, Authorized signatories, relevant beneficial owners, shareholders, ultimate controllers of the client and perform background checks on them.
⦁ Escalating to Compliance Team, wherever true hits or possible true hits are found either on Entities or on CPs and taking relevant sign off, to proceed with the further review.
⦁ Record and document all sourced and obtained information from the client / customer or from public sources.

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