Sudhansu Behera

Assistant Manager

Fidelity National Financial India, Bengaluru

• Managing team of 120 associates and 4 Team Leaders responsible for end-to-end processing of Foreclosure, Loss Mitigation Underwriting, Pre-Foreclosure, Collections, Customer Solutions department processes
• Ensures Service Level Agreements (SLAs) for process are met as agreed upon with client.
• Identifies causes for non-achievement of SLAs, develop solutions and execute same
• Successfully transitioned 17 processes in foreclosure and bankruptcy department
• Closely monitoring queues / workflow to keep up service levels.
• Provide support to Global IT team through Service Now application, monitoring incoming helpdesk requests, assigning to relevant agents, assisting with first line tasks.
• Responsible for attrition management and arranging for backfills on timely basis.
• Participates in client / internal review calls and handles escalations.
• Responsible for team performance, compensation and rewards & recognition programs
• Coaches and mentors' sub-ordinates
• Conduct Quarterly, mid-year and year end reviews with each employee and review career development.
• Manage employee productivity and quality performance through establish scorecard matrix.
• Working with quality to ensure proper handling and efficiency of account.
• Conduct and facilitate meetings including offshore training sessions, tracking project deliverables to completion.
• Ensuring seat utilization and capacity utilization reach to organization standard.
• Maintain Schedule of daily routine, Prepare MIS and other reports.
• Counsel and appraise team members so that their individual and team performance is of required standards meets present and future needs of client requirements.
• Conduct regular Audits and Checks on team and Quality Assurance
• Maintaining daily Report like team Utilization, Opening Volume, EOD and Billing Volume
• Preparation of weekly report like Weekly Business Review, MBR, CBPB and EWS reports
• Preparation of Monthly Reports like Volume Projection, final billing volume, Client Utilization and Cycle time reports, Score cards & Extra Milers
• Preparation of Client Reports like Loan Officers / Processors / Manager Utilization, Productivity, Final Rebuttals discussions, Resource and planning management for process
• Weekly & Monthly Calibration and Knowledge transfer call with Client
• Increased employee performance and job satisfaction to strengthen retention and engagement.
• Conducting One-o-One and huddles with team.

Assistant Manager

Quattro Mortgage Solutions Pvt. Ltd, Gurgaon

• Error analysis by using Pareto Chart and successfully completing RCA for each defect received by the onshore team
• Reviews and analyzes performance reports against targets on weekly/monthly basis with Team Leaders and SMEs to investigate causes for performance deviations.
• Conducts dip checks of parameters that impact performance to ensure data integrity
• Ensuring all MIS/ reports gets generated and shared on timely manner.
• Monitors compliance adherence through timely audits, generating awareness on th floor etc.
• Coordinating with HR for hiring right candidates
• Manage career advancement for staff for group of 60-80 employees.
• Manages performance of individual teams through performance management, career planning strategies and sharing of best practices
• Identify training and development needs; devise individual learning plans.
• Analyze and assess team performance and conduct appraisals accordingly.
• Managing Work Assignment management and allocation of loans
• Adhering to Information Security Policies and Procedures of IS
• Ensuring compliance to Information Security Policies and Procedures
• Understand and Comply with Information Security Policies and Procedures and report all security incidents.
• Ensure audit non-compliances are fixed within stipulated timelines.
• Follow clear Screen and Clear Desk Policy
• Adhere to Internet Code of Conduct, email usage policy and customer information and data security policy
• Reviewing 4C's such as credit, capacity, cash, and collateral resulting in loan approval, denial, or counteroffer
• Analyze credit, income, assets, LTV/CLTV, Flood Certs, 1003/1008, Titles, Appraisals, MI certs and AUS.
• Determined credit worthiness and approval amounts by analyzing credit card processing statements, bank statements, credit reports, and/or financial data.
• Identify red flags, ensuring each flag has been addressed and loan meets guidelines before sending it to Senior Underwriter for final review.
• Responsible for Calculating DTI, HTI, LTV & HCLTV ratio by using Excel.

Team Leader

Infosys Bpo Ltd, Jaipur

• Worked on FHA, VA and conventional loans for loan Underwriting.
• Maintained daily Production tracker, Scenario tracker, Update tracker.
• Helping team lead in floor support and resolving queries
• Responsible for productivity, time management and quality reports maintained under process.
• Feedbacks on errors and discussion on areas of improvement with team members
• Proactively recognize and determine trends in problem occurrence or workflow, referring upwards for further investigation where appropriate,
• Managed underwriting team writing program business nationwide; resolved, manage training need clarifications.
• Conduct quality reviews of renewals for proper underwriting analysis and processing ensuring compliance with underwriting guidelines, state requirements on daily and periodic basis.
• Created QC tracking system for all loan files to record all default reviews, produced reports for management, vendors and staff.

Senior Associate

IGATE Global Solutions Pvt. Ltd, Bengaluru

Bankruptcy and Foreclosure & HAMP Underwriting:

• I was responsible in reviewing loans which are 90+ days delinquent and referring file to Foreclosure based on checklist provided by investor.
• Providing relevant documents to foreclosure attorneys once file is referred to foreclosure (Note, DOT, Breach letters, POA, State Guidelines letter, MERS etc.)
• Coordinating with Foreclosure Associate/Attorneys to smoothen foreclosure process.
• Coordinating with Foreclosure attorney to get the unrecorded/recorded foreclosure deed for future references (Verifying Investor/servicer name & address on the deed)
• Identifying/reviewing of documents (Hardship letters, Dodd Frank, 4506T, RMA and all Income documents) which are received from borrower as part of loss mitigation options (Loan mod, Short Sale, Short payoff, HAMP etc.)
• Calculating the Borrower Incomes (Gross & Net) for loan mod/short sale purpose

Associate

Cognizant Global Solutions Pvt.Ltd, Bengaluru

Property Tax & Property Verification:

• Verifying property and paying taxes like- water and swear taxes, Property taxes and county taxes etc.
• Searching title matching with legal, situs address and legal document in website
• Paying all taxes including principal, insurance, taxes and interest.

Assistant Manager

Fidelity National Financial India, Bengaluru

• Managing team of 120 associates and 4 Team Leaders responsible for end-to-end processing of Foreclosure, Loss Mitigation Underwriting, Pre-Foreclosure, Collections, Customer Solutions department processes
• Ensures Service Level Agreements (SLAs) for process are met as agreed upon with client.
• Identifies causes for non-achievement of SLAs, develop solutions and execute same
• Successfully transitioned 17 processes in foreclosure and bankruptcy department
• Closely monitoring queues / workflow to keep up service levels.
• Provide support to Global IT team through Service Now application, monitoring incoming helpdesk requests, assigning to relevant agents, assisting with first line tasks.
• Responsible for attrition management and arranging for backfills on timely basis.
• Participates in client / internal review calls and handles escalations.
• Responsible for team performance, compensation and rewards & recognition programs
• Coaches and mentors' sub-ordinates
• Conduct Quarterly, mid-year and year end reviews with each employee and review career development.
• Manage employee productivity and quality performance through establish scorecard matrix.
• Working with quality to ensure proper handling and efficiency of account.
• Conduct and facilitate meetings including offshore training sessions, tracking project deliverables to completion.
• Ensuring seat utilization and capacity utilization reach to organization standard.
• Maintain Schedule of daily routine, Prepare MIS and other reports.
• Counsel and appraise team members so that their individual and team performance is of required standards meets present and future needs of client requirements.
• Conduct regular Audits and Checks on team and Quality Assurance
• Maintaining daily Report like team Utilization, Opening Volume, EOD and Billing Volume
• Preparation of weekly report like Weekly Business Review, MBR, CBPB and EWS reports
• Preparation of Monthly Reports like Volume Projection, final billing volume, Client Utilization and Cycle time reports, Score cards & Extra Milers
• Preparation of Client Reports like Loan Officers / Processors / Manager Utilization, Productivity, Final Rebuttals discussions, Resource and planning management for process
• Weekly & Monthly Calibration and Knowledge transfer call with Client
• Increased employee performance and job satisfaction to strengthen retention and engagement.
• Conducting One-o-One and huddles with team.

Assistant Manager

Quattro Mortgage Solutions Pvt. Ltd, Gurgaon

• Error analysis by using Pareto Chart and successfully completing RCA for each defect received by the onshore team
• Reviews and analyzes performance reports against targets on weekly/monthly basis with Team Leaders and SMEs to investigate causes for performance deviations.
• Conducts dip checks of parameters that impact performance to ensure data integrity
• Ensuring all MIS/ reports gets generated and shared on timely manner.
• Monitors compliance adherence through timely audits, generating awareness on th floor etc.
• Coordinating with HR for hiring right candidates
• Manage career advancement for staff for group of 60-80 employees.
• Manages performance of individual teams through performance management, career planning strategies and sharing of best practices
• Identify training and development needs; devise individual learning plans.
• Analyze and assess team performance and conduct appraisals accordingly.
• Managing Work Assignment management and allocation of loans
• Adhering to Information Security Policies and Procedures of IS
• Ensuring compliance to Information Security Policies and Procedures
• Understand and Comply with Information Security Policies and Procedures and report all security incidents.
• Ensure audit non-compliances are fixed within stipulated timelines.
• Follow clear Screen and Clear Desk Policy
• Adhere to Internet Code of Conduct, email usage policy and customer information and data security policy
• Reviewing 4C's such as credit, capacity, cash, and collateral resulting in loan approval, denial, or counteroffer
• Analyze credit, income, assets, LTV/CLTV, Flood Certs, 1003/1008, Titles, Appraisals, MI certs and AUS.
• Determined credit worthiness and approval amounts by analyzing credit card processing statements, bank statements, credit reports, and/or financial data.
• Identify red flags, ensuring each flag has been addressed and loan meets guidelines before sending it to Senior Underwriter for final review.
• Responsible for Calculating DTI, HTI, LTV & HCLTV ratio by using Excel.

Team Leader

Infosys Bpo Ltd, Jaipur

• Worked on FHA, VA and conventional loans for loan Underwriting.
• Maintained daily Production tracker, Scenario tracker, Update tracker.
• Helping team lead in floor support and resolving queries
• Responsible for productivity, time management and quality reports maintained under process.
• Feedbacks on errors and discussion on areas of improvement with team members
• Proactively recognize and determine trends in problem occurrence or workflow, referring upwards for further investigation where appropriate,
• Managed underwriting team writing program business nationwide; resolved, manage training need clarifications.
• Conduct quality reviews of renewals for proper underwriting analysis and processing ensuring compliance with underwriting guidelines, state requirements on daily and periodic basis.
• Created QC tracking system for all loan files to record all default reviews, produced reports for management, vendors and staff.

Senior Associate

IGATE Global Solutions Pvt. Ltd, Bengaluru

Bankruptcy and Foreclosure & HAMP Underwriting:

• I was responsible in reviewing loans which are 90+ days delinquent and referring file to Foreclosure based on checklist provided by investor.
• Providing relevant documents to foreclosure attorneys once file is referred to foreclosure (Note, DOT, Breach letters, POA, State Guidelines letter, MERS etc.)
• Coordinating with Foreclosure Associate/Attorneys to smoothen foreclosure process.
• Coordinating with Foreclosure attorney to get the unrecorded/recorded foreclosure deed for future references (Verifying Investor/servicer name & address on the deed)
• Identifying/reviewing of documents (Hardship letters, Dodd Frank, 4506T, RMA and all Income documents) which are received from borrower as part of loss mitigation options (Loan mod, Short Sale, Short payoff, HAMP etc.)
• Calculating the Borrower Incomes (Gross & Net) for loan mod/short sale purpose

Associate

Cognizant Global Solutions Pvt.Ltd, Bengaluru

Property Tax & Property Verification:

• Verifying property and paying taxes like- water and swear taxes, Property taxes and county taxes etc.
• Searching title matching with legal, situs address and legal document in website
• Paying all taxes including principal, insurance, taxes and interest.

Assistant Manager

Fidelity National Financial India, Bengaluru

• Managing team of 120 associates and 4 Team Leaders responsible for end-to-end processing of Foreclosure, Loss Mitigation Underwriting, Pre-Foreclosure, Collections, Customer Solutions department processes
• Ensures Service Level Agreements (SLAs) for process are met as agreed upon with client.
• Identifies causes for non-achievement of SLAs, develop solutions and execute same
• Successfully transitioned 17 processes in foreclosure and bankruptcy department
• Closely monitoring queues / workflow to keep up service levels.
• Provide support to Global IT team through Service Now application, monitoring incoming helpdesk requests, assigning to relevant agents, assisting with first line tasks.
• Responsible for attrition management and arranging for backfills on timely basis.
• Participates in client / internal review calls and handles escalations.
• Responsible for team performance, compensation and rewards & recognition programs
• Coaches and mentors' sub-ordinates
• Conduct Quarterly, mid-year and year end reviews with each employee and review career development.
• Manage employee productivity and quality performance through establish scorecard matrix.
• Working with quality to ensure proper handling and efficiency of account.
• Conduct and facilitate meetings including offshore training sessions, tracking project deliverables to completion.
• Ensuring seat utilization and capacity utilization reach to organization standard.
• Maintain Schedule of daily routine, Prepare MIS and other reports.
• Counsel and appraise team members so that their individual and team performance is of required standards meets present and future needs of client requirements.
• Conduct regular Audits and Checks on team and Quality Assurance
• Maintaining daily Report like team Utilization, Opening Volume, EOD and Billing Volume
• Preparation of weekly report like Weekly Business Review, MBR, CBPB and EWS reports
• Preparation of Monthly Reports like Volume Projection, final billing volume, Client Utilization and Cycle time reports, Score cards & Extra Milers
• Preparation of Client Reports like Loan Officers / Processors / Manager Utilization, Productivity, Final Rebuttals discussions, Resource and planning management for process
• Weekly & Monthly Calibration and Knowledge transfer call with Client
• Increased employee performance and job satisfaction to strengthen retention and engagement.
• Conducting One-o-One and huddles with team.

Assistant Manager

Quattro Mortgage Solutions Pvt. Ltd, Gurgaon

• Error analysis by using Pareto Chart and successfully completing RCA for each defect received by the onshore team
• Reviews and analyzes performance reports against targets on weekly/monthly basis with Team Leaders and SMEs to investigate causes for performance deviations.
• Conducts dip checks of parameters that impact performance to ensure data integrity
• Ensuring all MIS/ reports gets generated and shared on timely manner.
• Monitors compliance adherence through timely audits, generating awareness on th floor etc.
• Coordinating with HR for hiring right candidates
• Manage career advancement for staff for group of 60-80 employees.
• Manages performance of individual teams through performance management, career planning strategies and sharing of best practices
• Identify training and development needs; devise individual learning plans.
• Analyze and assess team performance and conduct appraisals accordingly.
• Managing Work Assignment management and allocation of loans
• Adhering to Information Security Policies and Procedures of IS
• Ensuring compliance to Information Security Policies and Procedures
• Understand and Comply with Information Security Policies and Procedures and report all security incidents.
• Ensure audit non-compliances are fixed within stipulated timelines.
• Follow clear Screen and Clear Desk Policy
• Adhere to Internet Code of Conduct, email usage policy and customer information and data security policy
• Reviewing 4C's such as credit, capacity, cash, and collateral resulting in loan approval, denial, or counteroffer
• Analyze credit, income, assets, LTV/CLTV, Flood Certs, 1003/1008, Titles, Appraisals, MI certs and AUS.
• Determined credit worthiness and approval amounts by analyzing credit card processing statements, bank statements, credit reports, and/or financial data.
• Identify red flags, ensuring each flag has been addressed and loan meets guidelines before sending it to Senior Underwriter for final review.
• Responsible for Calculating DTI, HTI, LTV & HCLTV ratio by using Excel.

Team Leader

Infosys Bpo Ltd, Jaipur

• Worked on FHA, VA and conventional loans for loan Underwriting.
• Maintained daily Production tracker, Scenario tracker, Update tracker.
• Helping team lead in floor support and resolving queries
• Responsible for productivity, time management and quality reports maintained under process.
• Feedbacks on errors and discussion on areas of improvement with team members
• Proactively recognize and determine trends in problem occurrence or workflow, referring upwards for further investigation where appropriate,
• Managed underwriting team writing program business nationwide; resolved, manage training need clarifications.
• Conduct quality reviews of renewals for proper underwriting analysis and processing ensuring compliance with underwriting guidelines, state requirements on daily and periodic basis.
• Created QC tracking system for all loan files to record all default reviews, produced reports for management, vendors and staff.

Senior Associate

IGATE Global Solutions Pvt. Ltd, Bengaluru

Bankruptcy and Foreclosure & HAMP Underwriting:

• I was responsible in reviewing loans which are 90+ days delinquent and referring file to Foreclosure based on checklist provided by investor.
• Providing relevant documents to foreclosure attorneys once file is referred to foreclosure (Note, DOT, Breach letters, POA, State Guidelines letter, MERS etc.)
• Coordinating with Foreclosure Associate/Attorneys to smoothen foreclosure process.
• Coordinating with Foreclosure attorney to get the unrecorded/recorded foreclosure deed for future references (Verifying Investor/servicer name & address on the deed)
• Identifying/reviewing of documents (Hardship letters, Dodd Frank, 4506T, RMA and all Income documents) which are received from borrower as part of loss mitigation options (Loan mod, Short Sale, Short payoff, HAMP etc.)
• Calculating the Borrower Incomes (Gross & Net) for loan mod/short sale purpose

Associate

Cognizant Global Solutions Pvt.Ltd, Bengaluru

Property Tax & Property Verification:

• Verifying property and paying taxes like- water and swear taxes, Property taxes and county taxes etc.
• Searching title matching with legal, situs address and legal document in website
• Paying all taxes including principal, insurance, taxes and interest.