Summary
Overview
Work History
Education
Skills
Websites
Timeline
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Vigneshwaran T

Vigneshwaran T

Erode

Summary

A competent professional with 7 years of experience in commercial banking loan Operations (BFSI).

Extensive experience of working in Lending Operations, Payments, Reconciliation Teams and various projects in top tier Investment Bank & Financial institutions.

Experienced analytical professional proficient in LoanIQ & ACBS applications in Commercial Banking.

Enthusiastic Analyst eager to contribute to team success through hard work, attention to detail and excellent organizational skills.

Overview

12
12
years of professional experience

Work History

Associate Manager I

JP Morgan & Chase Co
Bangalore
08.2023 - Current
  • Closely monitoring the team on day-to-day basis to ensure all SLAs are met and any exceptions are immediately escalated for resolution
  • Supervise a process which performs Deal Closing, processing Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees and external payments, collection of interest, Nostro & Past Due Reconciliation
  • Adherence to Stakeholders SLA is met
  • Experience in handling process related queries and clarifications from the Team members and route these to onshore teams for resolution if required
  • Manage process escalations from internal/external clients
  • Implementing Knowledge Management model including maintenance & yearly review of SOPs, process/policy change management, training of new joiners and ongoing training of existing Team
  • Ensuring timely escalation to the management as and when required, 100% compliance to Process related Policies, Guidelines and Controls

Business Process Lead

TCS Pvt Ltd
Chennai
07.2022 - 08.2023
  • Planning, monitoring & managing workflows by delegating portfolios within team members, approving high risk/value transactions and supervision of functions to ensure completion with timeliness and accuracy
  • Managing inward & outward escalations internally/externally to mitigate Operational, Reputational, Regulatory & Financial risk
  • Escalation handling - Manage the exceptions and one-off transactions and follow the escalation metrics
  • Escalate on time when required
  • Review daily exception reports and resolve any outstanding items pertaining to team's portfolio
  • Workflow Management - Review the complex approval packages & perform quality checks on critical activities
  • Drive Innovation - Process simplification projects
  • Responsible to conduct refresher and new joiner trainings in the team
  • Prepare KPIs, KRIs, and publish the data on a regular basis to Senior Leaders
  • Present the data to the Management

Pre-Underwriting Analyst

Accenture
Chennai
02.2020 - 07.2022
  • Reviewed credit reports, financial statements and transactions to verify accuracy and completeness
  • Complete understanding & knowledge in loan preparation & loan setup stages and processed in AFS Vision application
  • Achieved 98% accuracy in process and have met SLR accuracy target of 95% set by client parameters
  • Possess knowledge of loan types such as term loan, line of credit, modification of loans, L/C, Bankcard, ACH loans
  • Prepared detailed reports to present analysis of client creditworthiness using credit bureau reports
  • Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure
  • Calculated group and individual renewal rates based on customers background, industry and demographic information
  • Underwriting CRE & SBA loans, ACH & Bankcard loan requests and liaising with RM’s and Portfolio managers to process the loan requests based on Client needs

Loan Syndication

Wipro BPS Ltd
Chennai
02.2013 - 02.2016
  • Loan Administration process, Funding Treasury, Loan disbursement, examine interest accruals, rollovers, rate fixing, repayments and prepayments, reconciliation of past due reports, Audit and Compliance
  • Preparing cash reconciliation report and monthly KRI report on weekly as well as monthly basis to keep track on high risk indicating issues that require immediate action
  • Escalating any major incidents to clients on time and liaising with Business Oversight Team to resolve issues and fix then and there
  • Maintaining escalation tracker for team and reporting it to management on showing team performance and reducing escalation trend
  • Liaising with other departments to make sure that deals and loan facilities are arranged in order to make sure wire transactions are made without any breach and errors as per SLA agreements.95% accuracy maintained throughout 3 years of tenure
  • Tracking of manual payments, Sanction countries payments and switch transactions in GBS
  • Processing facility level and loan level fees such as Amendment fees, Arrangement fees, Commitment fees etc
  • Clearing DI breaks in facility and amendments to make sure that facility is updated then and there, if any loan restructuring happened
  • Maintained excellent attendance record, consistently arriving to work on time
  • Identified issues, analyzed information and provided solutions to problems

Education

MBA - Finance & Marketing

Bachelor of Arts - Commerce & Accounting

Skills

  • Computer skills
  • Critical thinking
  • Verbal and written communication
  • LoanIQ
  • Aurora
  • ACBS
  • GBS
  • Intellimatch
  • AFS Vision
  • Commercial Lending Gateway
  • NCino
  • Compass

Websites

Timeline

Associate Manager I

JP Morgan & Chase Co
08.2023 - Current

Business Process Lead

TCS Pvt Ltd
07.2022 - 08.2023

Pre-Underwriting Analyst

Accenture
02.2020 - 07.2022

Loan Syndication

Wipro BPS Ltd
02.2013 - 02.2016

MBA - Finance & Marketing

Bachelor of Arts - Commerce & Accounting

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