• Verifies, compiles, and types application information for mortgage loans: Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.• Capturing loan application forms, using COINS (AS-400’s operating system). Pulls and reviews credit bureau Calls specified companies to obtain property abstract, survey, and appraisal.• Informs supervisor of discrepancies in title or survey. Submits mortgage loan application file for underwriting approval. Records data on status of loans, including number of new applications and loans approved, canceled, or denied.

Job Responsibilities - Contact businesses or private individuals by phone- Deliver prepared sales scripts to persuade potential customers to purchase Scotialife Accidental Death Insurance. - Describe products and services and Respond to questions- Obtain customer information- Obtain possible customer leads- Data entry and maintenance of customer/potential customer data bases- Follow up on initial contacts- Maintain records of telephonic interactions, orders and accounts

- Business Operations responsibilities include managing secured customer's portfolio.- Identify and evaluate complex business and technology risks, internal controls which mitigate risks, and related opportunities for internal control improvement. - Ensure continues improvement in processes and controls to increase customer’s satisfaction and reduce complaints.- Manages staff responsible for analysis of creditors, to manage the risk receivable portfolios and account delinquency, provisioning and write-offs, Repricing Strategies.- Managing portfolio MISs’ and month end account reconciliations after financials postings and disbursement authorizations. - Back up of main Custodian of Security Vault & Book Vault.- Central Bank reporting of secured loans. Validated exceptional reports and resolution.- Drafting Standard operating procedures for business processes and contributing to service level agreements (SLAs) for technology systems.- Ensure that Internal Controls and Standard Operating Procedures are being stringently followed.- Ensure high level of quality service is provided to Relationship Managers & their clients.- Conducted Credit meetings with Customers and Relationship Managers.- Demonstrate a general knowledge of market trends, competitor activities products and service lines to keep the Bank align & compliant at all time. - Manage credit risk management assignments and projects undertaken by independent external consulting organizations.

- Ensure that all Consumer Finance Secured business is processed accurately, compliantly, and in timely manner across Pakistan.- Played a Key role in Centralization process of secured loans during merger, resulting in reduced personnel and administrative costs and increased efficiency through re-engineering of the existing processes.- Developed and implemented a more effective and user-friendly system for insurance monitoring.- Processed loan financials and disbursement authorizations of secured Loans.- Co-ordinated with External Agencies and Insurance companies for timely payments & other service related issues, disputes and settlements.- Managed Customer’s account delinquency and reviewing customers provisioning and write-offs.

- Managed Mortgage customers complete screening and renewal process.- Managed and Monitored Mortgage portfolio MISs’ and verified account reconciliations.- Main Custodian of Security Vault & Book Vault. Reconciled system & physical holdings, & maintained proper security & book vault record. - Drafted Business requirement documents (BRD), Standard operating procedures (SOP) for business processes and Service level agreements (SLAs) for technology systems.- Acted as domain Subject Matter Expert (SME) for Housing and Autos Finance system implementations. Worked as lead business user in launching Islamic Banking division (for system development, BRD, SOP, UAT for House and Auto Loan).- Worked as lead business user for operations in launching Islamic Banking division (for system development, SOP, UAT etc. for House Loan).- Lead Secured operation team in merger of Prime Commercial Bank (PCB) in ABN Amro Bank. Integrally involved in seamless migration of 2,000-plus PCB customers from local servers onto main ABN Amro Bank’s servers in aggressive one-month time frame.- Reviewed Legal Documentation of loan Application. - Co-ordinated with lawyers on legal & central bank related issues.- Reviewed State and Federal disclosures for accuracy and compliance, And to ensure that all loan files are accurately completed as per documented processes. - Central Bank reporting of Mortgage Loans. Validating exceptional reports and resolution.

• Responsible for screening of respective application according to the policies and procedures.• Worked out the average balance from applicant’s bank statements.• Maintained all the concerned MIS regarding applications sent to verifications, credit analyst and back to sales end.• Reprocessed applications that are either declined or cancelled by the analyst.• Followed up with external agencies for customer’s legal and appraisal.