Vijay Jaiswal

Team Lead - Daily Deliverables:

Team Huddle/Deal Discussions Production Assignments For Entire Day Team Capacity Handling and Pipeline Management Track and Publish Production Reports Of Commitment Deliverables For the Day Resolving Pending Queries On Deals/Technical Glitch/Application Changes Performing QC's and Sharing Feedback On Loans. Team Discussion on Topics for the day and conducting PKT for the same based on the errors of Quality Score Report Published Ensuring to Meet Commitment Deliverables For the Day by Lending Additional Assistance, Publishing Daily Status Report for the Day.

Building Championship Talent :

- Act as a catalyst to partner with Managers for new joiner on-boarding.

- Weekly/Monthly 1:1 with Team Members.

- Identify high potential employees in order to groom to take up next level roles through coaching & delegation.

- Work with internal and external subject-matter experts to develop and/or deliver training programs and their corresponding materials. (Manuals, Visual Aids, etc.)

Capacity Handling & Pipeline Management :

- Plan Leaves & Anticipate at risk employees to maintain business continuity thereby ensuring zero or minimal impact to business processes.

- Maintain & publish dashboards to track productivity, quality, absenteeism, attrition. Drive Process Excellence by partnering with

Onshore & offshore stakeholders:

- Ensuring processes are managed effectively & efficiently. - Excellent Organizational & time management skills

- Operates independently with minimal guidance and supervision by management. - Explore new ideas for improved workflow and automation enhancements.

Operational Excellence:

- Ability to apply sound business principles of logical or scientific thinking to a wide range of operational and strategic challenges and problems in difficult and deadline driven situations. Identify key issues, gather, analyze and synthesize data to support hypotheses and develop actionable recommendations.

- Excellent analytical skills with strong working knowledge of problem solving, root cause analysis, cash flow analysis and associated solution implementation.

Senior Analyst, Credit Underwriting, Shared Services CRE/RRE, Insurance Process SitusAMC Pvt Ltd

Hazard and Flood Insurance Process Flow:

Hazard insurance is coverage that protects a property owner against damage caused by fires, severe storms, hail/sleet, or other natural events. As long as the specific weather event is covered within the policy, the property owner will receive compensation to cover the cost of any damage incurred. Typically, the property owner will be required to pay for a year's worth of premiums at the time of purchasing the policy, but this practice will depend on the exact details of the policy.

1. Hazard insurance protects a property owner against damage caused by fires, severe storms, and other natural events. We check the Policy and update the information accordingly.

2. Hazard insurance usually refers to a section of a general homeowners insurance policy that protects the structure of the home.

3. Mortgage lenders often require you to have homeowners insurance to get hazard coverage.

4. In areas prone to certain risks, such as floods or landslides, homeowners often opt to take out separate or additional hazard insurance to cover specific contingencies.

5. Flood insurance is often required by mortgage lenders when properties are located in federally designated high-risk flood zones or floodplains.

6. Flood insurance is a separate policy from homeowners insurance, which doesn't typically cover damage or destruction by floods.

7. Lenders usually only require flood insurance to cover the property structure, though borrowers can also buy coverage for their personal belongings and furnishings.

8. Flood insurance is available through the federal National Flood Insurance Program (NFIP) for homeowners in high-risk areas and other participating communities.

Mortgage Process Flow:

1. Underwriter having Expertise in Conventional, FHA, VA & Fannie Mae Loans, known for strengths in risk credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant investors and packages facilitating volume growth while preserving book-of business quality.

2. Review loan files for completeness and accuracy including but not limited to verification of documents including evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, Note, Security Instrument, HUD, 1003/1008, AUS/Approval and other loan pertinent compliance documentation.

3. Evaluate debt & loan-to-value ratios, credit score, Cash Flow Analysis property valuation and various other factors.

4. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages.

5. Handling Team in absence of Team Leader and working collaboratively with team members to drive deals and targets to successful completion and closure.

6. Having Knowledge on various deals and client specific FNMA, Citibank, JPMorgan, Kondaur, MCM Capital, Goldman Sachs, Credit Suisse, Nomura, Carval, NRZ, AMIC, Truman Capital, Headsland, VWH, Aspen, Pretium, Roosevelt, Firstkey etc.)

7. Clear and precise knowledge for clearing validations in the files. 11. Monitor, Motivate and Lend assistance for queries and scenarios asked in the Team Group to drive process excellence.

8. Maintain and Update daily productivity and absenteeism everyday and ensure Team Members meeting 100% productivity for the day.

9. Maintain and Publish Minutes of Meeting discussed in the Team Huddle everyday.

10. Always Proactive in completing the priority tasks and work with minimum supervision.

11. Provide analytical support in the underwriting and closing of commercial real estate loans or securitization or affordable housing loans on behalf of our clients.

12. Review, analyze and/or interpret financial operating statements, rent rolls, third party reports, tenant lease agreements, surveys, title reports, zoning reports, property insurance policies, credit reports, and other due diligence requirements.

13. Research, analyze and summarize tenant level information including financial trends and credit ratings or stock market capitalization.

14. Conduct telephone interviews to solicit market data with brokers, appraisers, investors and other market participants.

15. Research, analyze and summarize market and sub market information including inventory, absorption, new/proposed development, and rent and vacancy trends.

16. Extract pertinent data from appraisal engineering, environmental and other third-party reports.

17. Write property, market, borrower/sponsor descriptions, and third-party report summaries that will be included in credit memos and asset summary reports.

• Ocwen Financial Corporation is a leading non-bank mortgage servicer and originator providing solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage is one of the largest servicers in the country, focused on delivering a variety of servicing and lending programs. Liberty is one of the nation’s largest reverse mortgage lenders dedicated to education and providing loans that help customers meet their personal and financial needs. Ocwen and its subsidiaries are committed to helping homeowners and delivering exceptional service and value to customers, clients, and investors

• Perform research on correspondence, loans, and checks across multiple enterprise systems, including Mortgage Servicing Platform (MSP)
• Quality check of the responses written by the processors and giving appropriate feedback
• Obtaining required clarifications from the internal departments/Onshore team
• Download the received/obtained updates to the teammates and entire process, and ensure that it is updated on shared drive, to be used for future reference and for new hires
• Creating and updating the Standard Operating Procedure (SOP) documents
• Taking short sessions with the new hires – for process overview and specific topics
• Helping and floor support to the new hires
• Handling the team in absence of the team leader
• Preparing and sending out production reports to the entire process
• 3 awards & recognition have taught me that with persistence, one can achieve anything.

• ADP has been helping businesses with payroll outsourcing for over 70 years Using payroll software, our experts integrate payroll and HR information into the single unified platform, saving time to focus on business
• Worked in Payroll process for client like Walmart, FedEx etc.
• Child Support, Tax, Student Loans,
• Writ of Garnishment were the sub-process
• Worked varied hours to meet seasonal and business needs
• Trained and supported new team members, maintaining culture of collaboration
• Served as keyholder, overseeing business opening and closing operations
• Improved customer satisfaction by quickly and effectively addressing inquiries and complaints
• Participated in various cultural events and games like Volleyball, Badminton and Cricket