VIVEK MISHRA
Summary
Forward-thinking Corporate Leader experienced in strategic planning and problem solving. Achieved organizational goals through effective collaboration, staff motivation, and resource organization. Focused on enhancing operational efficiency and driving growth.
Overview
2
2
Languages
15
15
years of professional experience
Work History
Assistant Manager
WNS Global Services Private Ltd. (Client - Mashreq Bank U.A.E and M&T Bank USA)
08.2014 - Current
- Work Details: US Mortgage Underwriting Process (PennyMac Mortgage LLC)
- Managed team, ensuring client expectations were met through clear and effective communication.
- Review borrower capacity, Capital, Collateral and Credit documents. Provided underwriting decision on file.
- Evaluated Conventional, FHA, and CES refinance loans following Fannie Mae, Freddie Mac guidelines, and lender overlays.
- Review declined and restructured files as guidelines and lender overlays.
- Taking care of escalated files, which have been received through emails and chat.
- Work Details: Post Close Auditing Team (M&T Bank USA - US Residential Mortgage Auditor)
- Review the Post Closing Documents- Deed of Trust, Note, Title, Appraisal Reports, Credit Report Invoice, Escrow Account, Payoff, Closing Disclosure, W-9 and Right to Cancel.
- Review the Homeowner Insurance and Master policy.
- Review the Flood Insurance Policy.
- Review the Sales Contract.
- Utilized Blitz Docs, Empower, File Net, and MI websites to manage documentation.
- Work Details: Other Activities with PCA Work
- Review the Mortgage Insurance documents and upload into the required MI (Mortgage Insurance) company website and share all MI reports with Onshore Team.
- Making Allocation Report (allocating data to team), Daily Production Report and share all the reports with management.
- Compiled daily production report and distributed it to management and Onshore Team.
- Work Details: Inward Remittance Team (Mashreq Bank U.A.E.)
- Transfer of funds in Local & Foreign currency with Flex cube application.
- Preparation of Swift messages MT103, MT191, MT202, MT202.COV, in different applications, like as Swift, Flex cube.
- Transfer of fund done through Account to Account in Flex cube.
- Processing payments through STP.
- Setup, cancellation and Amendments done with maintaining MIS sheet for SO (Standing Order).
- Setup & cancellation of Inbound & Outbound DDA done with maintaining MIS sheet.
- Setup a Day End SO with maintaining MIS sheet on daily basis also.
- Reviewed suspense accounts and communicated discrepancies to onshore team for resolution.
- On the other side coordinating with Client for clearing-up the urgent payments within TAT.
- Also coordinate withinternal QC for the routing of payments compiled within the AML guidelines as per the Central bank of UAE with in TAT.
- Working on Swift, Omni flow, Flex cube and Financal applications.
CPA Manager
I-Process (An Associate of ICICI Bank Ltd)
09.2012 - 07.2014
- Work Details: Saving the net exposure of the bank in terms of the credit limit given to the retail customers by assessing their intention and capacity to pay.
- Expertise: Assessing risk potential of a customer.
- Checking the past (if any) & also present performance of the customer by studying the CIBIL records, his transaction pattern & also the profile of the customer.
- Assessing the intention & capacity of the customer by calling him up.
- Provided feedback to the sales team regarding incomplete applications and documentation.
- Make a decision on approve or decline the application & give the credit limit by the calculation of the customer income, CIBIL & FOIR.
- Utilized FCRM, CTL, NACS, I-View, and Excel for data analysis and reporting tasks.
- Demonstrated expertise in assessing the risk potential of customers through detailed analysis.
- Reading CIBIL records of the customer & inferring the intentions of the customer.
Senior Business Executive
Axis Securities & Sales LTD
12.2011 - 07.2012
- Work Details: Oversaw operations in credit card division, monitored team performance, and handled customer inquiries.
- Created an Excel spreadsheet to track dip ok applications for the credit card division.
- Managed client servicing across securities and sales operations for Axis Securities & Sales LTD.
- Coordinated equity trade processing and account documentation with strict compliance checks.
- Advised customers on brokerage services, investment products, and trading account procedures.
Education
Bachelor in Science -
DDU University
GorakhpurSkills
- PackagesMS Office
- Windows 10/11
- Mortgage underwriting
- Credit analysis
- Loan guideline review
- Computer Hardware and Networking
- Business Communication
Personal Information
- Date of Birth: 1985-02-05
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Declaration:
I hereby declare that all the above information is true and correct in my knowledge and belief. Place: Date: VIVEK MISHRA
Personal Profile:
- Fathers name : TAMESHWAR MISHRA
- Language known : Hindi, English
- Personality : Energetic & Hard working, Accept Challenges.
Languages
English
Advanced
C1
Hindi
Proficient
C2
Timeline
Assistant Manager
WNS Global Services Private Ltd. (Client - Mashreq Bank U.A.E and M&T Bank USA)
08.2014 - Current
CPA Manager
I-Process (An Associate of ICICI Bank Ltd)
09.2012 - 07.2014
Senior Business Executive
Axis Securities & Sales LTD
12.2011 - 07.2012
Bachelor in Science -
DDU University