SUNIL KUMAR
Senior Analyst
Bangalore
Summary
A high-performance executive with over 8.5 years of experience in Loans and Operations, am also acknowledged for being resourceful, adaptable, and self-directed with the ability to handle even the most challenging situations as a result of well-developed communication skills and organizational capabilities. Desirous of working in an organization which provides adequate opportunity for career development and to learn to utilize knowledge and contribute to the success of organization by sincere efforts Thorough Senior Analyst with over a 6-year background in Mortgage Industry. Excellent planning, organizational and communication skills. Self-reliant to perform analysis and make recommendations. Talented in data modeling and client management.
Overview
12
12
years of professional experience
6
6
years of post-secondary education
1
1
Language
Work History
Senior Analyst-Independent Foreclosure Review (Lsm
First Source Solutions Pvt. Ltd
01.2024 - Current
- Reviewing loans which are eligible for foreclosure process.
- Mentored junior analysts, fostering professional development while enhancing overall team performance.
- As per state specific sends out a demand letter to borrowers as in when its met for delinquencies.
- Prepares EOD report and sending the daily updates to the team when its required.
- Nurtured strong working relationships with clients, ensuring their needs were met while exceeding expectations on deliverables.
Senior Analyst,Final Underwriter (Loss Mitigation)
First Source Solutions Pvt. Ltd
12.2020 - 01.2023
- Responsibilities : - Reviewing and verifying loan applications and supporting documentation
- Analyzing loan risk and requesting additional information as necessary
- Making loan eligibility decisions and approving or rejecting applications
- Reviewing and specifying loan conditions as necessary
- Ensuring compliance with regulatory standards
- Ensuring compliance with company policies and guidelines
- Documenting and effectively communicating reasons for approval/rejection of loans
- Approving final term of MOD .
- Utilized analytical skill to create final reports, ensuring complex information was simplified appropriately.
- Analyzed risk involved for approving customer for modification of loans requirement and feedback from end-users, creating technical, action-based solutions.
- Discovered root causes of problems and identified appropriate solutions.
- Performed quality assurance to meet appropriate standards and facilitate improvement of processes.
- Recommended process improvements to continually identify, analyze and fix constraints and challenges.
- Investigated system issues and implemented resolutions to reduce downtime
- Coordinate with other work streams to ensure data remediation efforts or outcomes adhere to project plans and requirements
Senior Associate (Bankruptcy Department )
Crane Consulting and Outsourcing Pvt. Ltd
08.2019 - 12.2020
- Have worked in all processes that come in bankruptcy department which includes from opening workstation for new loan to preparing final report which loan gets discharged
- Processes that have worked for( under bankruptcy ) -Opening -Acquisition -Debtor intent -POC (Proof of claim) -MFR(Motion of relief) -PCN(Payment change notice) -Closing -NOFC(Notice of final cure)
- Preparing ledgers for reconciliation of payment that made by borrowers.
- Conducted in-depth financial analyses to clarify organization's economic model and current financial health.
- Prepared ledgers for borrowers account in bankruptcy
- Eliminating risk involved in end to end bankruptcy starting from onboarding loan to discharge loan
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Improved operations through consistent hard work and dedication.
Associate Accountant
Aagman Infotech System & ServicesPvt.Ltd
03.2016 - 03.2019
- Enter posting of purchase, sales, payment, receipt collection and journal voucher
- To interact with clients solving their queries related to billing and Invoices
- Verification of bills and reconciliation of total turnover
- Transaction and control & review day to day review sheet and profit & loss
- Monitoring day to day cash and bank transitions
- Reconciliation of bank statements at end of month.
Associate ( Cashiering Department )
Ocwen Financial Services
05.2015 - 12.2015
- Reconciliation & Chargeback)
- Responsibilities: .Tracked inventory and maintained accounts to identify any discrepancies
- Conducted research and investigation of all discrepancies, Updated accounts with accurate information
- Reconciled discrepancies efficiently and in timely manner for customers
- Notified supervisor of all issues and trends when required
- Resolved account reconciliation issues quickly
- Answered client and customer questions regarding accounts and any discrepancies.
- Worked on various Cashiering processes like Charge Backs, Payoff and Control Reports.
- Worked on Reversal Requests, daily workflow created for Cashiering Department by various other departments to process Loan Adjustments, Payment Processing, Payoffs, Disbursements, Waiver and Paying down Fees and Expenses
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Process Associate
Cognizant technology solutions Pvt Ltd
07.2013 - 10.2014
- To ensure that high quality standards are maintained for all healthcare profiles that are approved and submitted by individuals in line with productivity target for each jurisdiction and performance level agreement
- To ensure that there would not be any issues pretending to billing and maintenance part and monthly premium of policies are paid on time in order to provide better service to customer
- Performed quality assurance checks to help company create products and services that met needs, expectations and requirements of customers.
- Assessed business processes and identified ways to boost improvement.
- Analyzed and assessed functional and organizational activities.
- Partnered with cross-functional teams to conduct thorough discovery and due diligence on existing processes
- Identified and resolved process issues to drive optimal workflow and business growth
- Assessed products or services to evaluate conformance with quality standards
- Implemented continuous improvement metrics to streamline workflows and reduce waste
- Performed quality assurance checks to help company create products and services that met needs, expectations and requirements of customers
Education
B.com - Accounting And Finance
City College, (Bangalore University)
Bangalore , India 01.2009 - 01.2013
12th - Commerce
UP Board (S.V.M Intermediate College)
Utter Pradesh , Indian 01.2008 - 12.2008
10th -
UP Board (S.V.M Intermediate College)
Utter Pradesh, India 01.2006 - 12.2006
Skills
SOFT SKILLS
Flair for ownership and group coordination
Motivated by challenges
COMPUTER SKILLS
Knowledge of
Internet, MS Office, MS Excel
Key skills: -
Quick learner
Loyal towards work and duties
Can work under stressed conditions
Good in working with MS excel spreadsheets
Account Reconciliation
Information gathering
Finance
Attended FRM Classes
Quantitative analysis,Investment management ,Derivative,Enterprise risk management and operational risk management
Timeline
Senior Analyst-Independent Foreclosure Review (Lsm
First Source Solutions Pvt. Ltd
01.2024 - Current
Senior Analyst,Final Underwriter (Loss Mitigation)
First Source Solutions Pvt. Ltd
12.2020 - 01.2023
Senior Associate (Bankruptcy Department )
Crane Consulting and Outsourcing Pvt. Ltd
08.2019 - 12.2020
Associate Accountant
Aagman Infotech System & ServicesPvt.Ltd
03.2016 - 03.2019
Associate ( Cashiering Department )
Ocwen Financial Services
05.2015 - 12.2015
Process Associate
Cognizant technology solutions Pvt Ltd
07.2013 - 10.2014
B.com - Accounting And Finance
City College, (Bangalore University)
01.2009 - 01.2013
12th - Commerce
UP Board (S.V.M Intermediate College)
01.2008 - 12.2008
10th -
UP Board (S.V.M Intermediate College)
01.2006 - 12.2006
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