Ram Prakash Pandey Email and Phone Number

US mortgage operations- Loss mitigation.

Team Lead - Quality (US mortgage Underwriting)

Role: Escrow account Analyst, (SME).Duration: From January 2020 to till date.Business Area: Escrow analysis and management Detail oriented and organized, able to evaluate projects & provide input onproductivity & quality improvements Knowledge of professional discipline and applies knowledge to influencedecisions. Have excellent attention to detail and concern for all aspects of the job. Strong knowledge interpreting and analyzing data &Good people management skills. Good trainings skill. & Good in calibration among onshore and offshore team.Taking care of trainings and feedback if any new project received. All type of data preparation for the process & taking care of escalation aswell. Taking care of MIS reporting for team. Taking care of calibration among onshore and offshore. Conducting PKT and keep an eye on process health. Available for full time floor support and having confidence to manage myteam in any further situation. Full time backup of my reporting manager for all the reports & calls. We work on Escrowed Loan accounts and keep eye on their tax andinsurance related payments. We do escrow contract setup & Escrow line setup, and due payments.

Role: Home Flood & Hazard insurance coordinator.Duration: From February 2017 to January 2020.Business Area: Flood & Hazard Insurance• Reviewing Hazard and flood insurance document regarding property coverage• Coordinating with onshore agents to retrieve the missing documents• Reviewing the insurance package with Bank's guidelines• Providing approval from insurance department after receiving complete package• Taking care of MIS reporting for team• Taking care of calibration among onshore and offshore• Conducting PKT and keeping an eye on process healthBusiness Area: Mortgage insuranceRole: Non delegated mortgage insurance coordinator.• Take care of those loan requests that have more than 80% of LTV.• Reviewing all the document of the borrower and calculate income, LTV and DTI.• We create the package for PMI underwriting.• Requesting the PMI (Private mortgage insurance) for the loan mortgage property.• Reviewing the mortgage insurance package with Bank's guidelines• Providing approval from insurance department after receiving complete package• Taking care of MIS reporting for team• Taking care of calibration among onshore and offshore• Conducting PKT and keeping an eye on process health

Role: Loss Mitigation Analyst (Pre Underwriter)Duration: From March-2015, to December 2016Mortgage modification (Loss Mitigation)• Work on request for Loan modification• Review modification documents as borrower failed to pay mortgage payments due to hardship.• Check the type of loans Non GSE or GSE loans.• Verifying all required modification Document, and Create a Complete package for final underwriting.• Reviewing the income & asset docs, calculating the qualifying income with the same and taking the conservative approach to qualify the Loan.• Work according to Freddie Mac and Fannie Mae guidelines.• Document Indexing and Verification.• Creating the final package for Underwriting

Role: Fraud Analyst Duration: From May, 2012 to March-2015 Work Profile:  Verifying checks which was deposited via ATM for 5/3rd bank Customers.  Process the real time transactions according to check amount.  Interacting to the line of business regarding any query and doubts in order to process soft copy of checks.  Identifying and preventing fraud transactions which happened with bank through ATM deposits. Achievement:  Got promoted from Associate to Sr. Associate