Swathi H
Loan Examination Specialist
Bengaluru,KA
Summary
Dynamic professional with extensive experience in fraud prevention and process improvement, notably at Wells Fargo. Excelled in resource allocation and team collaboration, significantly enhancing fraud detection strategies and team proficiency. Skilled in analytical decision-making, adept at driving operational excellence and fostering professional growth.
Overview
10
10
years of professional experience
Work History
Loan Examination Specialist
Wells Fargo
03.2021 - Current
- Followed all company policies and procedures to mitigate mortgage Fraud or misrepresentation.
- Proficient in Originations Fraud Prevention, BSA, AML to identify potential fraud and misrepresentation.
- Collaborated with Operations team to upskill TMs from a lower skillset team to high skilled professionals.
- Facilitated refreshers for professional development of junior staff members.
- Assisted in developing strategic plan that aligned with improving Fraud efficacy
- Developed training materials to enhance Team Member proficiency and productivity.
- Evaluated TM performance during the training period and provided coaching to address inefficiencies.
- Optimized the production resources to leverage them to work on idea projects, create timelines and driving towards closure.
- In addition to all, I also manage the day-to-day deliverables, loan assignment, SLA tracking, HUDDLE etc.
Sr. Quality Underwriter
Concentrix Business Solutions
09.2018 - 02.2021
- Identifying the risks and mitigating them with adherence with federal and state Guidelines.
- Analyzed credit, income, asset and title documents during underwriting process to arrive at undisclosed liability and commitments.
- Analysis of financial ratios and observing pattern of inflows, outflows and source of repayment.
- Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Sr. Financial Analyst
JPMorgan Chase
10.2015 - 06.2018
- Issuing new letters of Credit, Monitor increase, decrease, book off and cancellation of LCs.
- Reconciliation of LCs in Global Transaction System and Loan IQ
- Resolving client queries and working on control reports such as Facility Data Recon, Facility status Recon, past dues and Nostros.
- Billing or invoice for clients on letter of credit along with updating of billing, log, termination, LC, only deals etc.
- Provided valuable insights by leading monthly variance analysis reviews between actual results and forecast expectations.
Process Executive
Infosys Ltd
09.2014 - 10.2015
- Perform POI calculation
- Investigated basic issues and escalated more complicated concerns.
- Provided training and mentorship to team members, fostering a culture of learning and growth to newbies into Loan Servicing from other banks.
- Reviewing the docs submitted by the borrower for the modification.
Education
Bachelor of Arts - Commerce
Seshadripuram First Grade College
Bengaluru, India 04.2001 -
2nd PUC - PUC
Seshadripuram
Bengaluru, India 04.2001 -
Skills
Resource Allocation
Proficient in Fraud Prevention
Expert in Training newbies
Teamwork and Collaboration
Adaptability and Flexibility
Decision-Making
Analytical Skills
Process Improvement
Timeline
Loan Examination Specialist
Wells Fargo
03.2021 - Current
Sr. Quality Underwriter
Concentrix Business Solutions
09.2018 - 02.2021
Sr. Financial Analyst
JPMorgan Chase
10.2015 - 06.2018
Process Executive
Infosys Ltd
09.2014 - 10.2015
Bachelor of Arts - Commerce
Seshadripuram First Grade College
04.2001 -
2nd PUC - PUC
Seshadripuram
04.2001 -
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