Seasoned professional with over 14 years in the BFSI industry, Credit Risk and Underwriting specialist, 14+ Years in Credit Analysis & Underwriting, Driving Risk Mitigation Strategies in Residential and Commercial Lending, Passionate About Data-Driven Decisions. Adept at leading dynamic teams, implementing creative solutions, and driving strategic initiatives. 💎💎💎 ✔️ Excellent understanding of new-age digital lending processes while maintaining consistent and reliable performance.✔️ Driving informed decisions and optimize securitization strategies for sustainable growth, Expert in business operations and processing, with expertise in product vision, creating roadmap, preparing product strategies. proficient in risk assessment and data-driven financial analysis.✔️ Well versed in Quality control, Credit Risk Analysis, US mortgage operations with all stages from Loan Origination, Loan Processing, Loan Servicing and Delivery.✔️ Proficient in advanced Excel, PowerPoint, Word, Visio, Excel macros, VBA, dashboards.✔️ Proven track record in preparing SOPs, Artifacts, PPTs, Templates, Training manuals for streamlined operations.✔️ Demonstrated expertise in enhancing overall efficiency and accuracy in mortgage processes through expertise in handling digital lending applications.✔️ Consistent commitment to leveraging technical skills with a keen eye for detail throughout my career.
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Credit Risk & Operations Lead - Digital Mortgage ServicesV2Solutions Oct 2023 - Apr 2024Mumbai, Maharashtra, India• Led team of 22 professionals in Underwriting and credit operation process.• Experienced and worked in end-to-end loan processing, encompassing key stages like Loan Processing, Underwriting, Pre-fund, and post-closing, ensuring adherence to policies and procedures.• Conducted training sessions, provided coaching and mentoring, and led daily meetings to discuss updates, resolve queries, and address concerns, emphasizing efficient work allocation and adaptability.• Developed a personalized salaried and self employed income calculation worksheet to enhance efficiency in income calculations.• Provide feedback to team members, prioritizing tasks to meet tight deadlines and project milestones.• Providing comprehensive training and continuous support to junior underwriters, significantly enhancing their analytical capabilities and deepening their expertise. -
Senior Qc Specialist - Credit Risk Underwriting And Mortgage OperationsBetter Nov 2020 - Dec 2022Mumbai, Maharashtra, India• Conducted continuous monitoring and evaluation of QA checks, ensuring the resolution of defects in a fast-paced production management setting.• Performed thorough due diligence of files with Income, Credit, Asset, Appraisal, and Title review, providing final approval of loans before closing and funding with complete summaries and rationales.• Ensured attention to detail in every phase of the underwriting process, examining loan applications thoroughly.• Investigated discrepancies in loan files, demonstrating independent judgment and organizational skills.• Executed thorough due diligence on files, assessing Income (including self-employment), Credit, Assets, Appraisal, and Title, providing final approval with detailed summaries and rationale before closing and funding.• Developed training manuals and documentation, prepared SLA reports and dashboards, and ensured adherence to service level agreements (SLA) and turnaround times (TAT).• Collaborated with cross-functional teams, including business partners and internal customers, to ensure smooth process flow and resolve issues efficiently.• Demonstrated strong interpersonal skills while working with internal customers and stakeholders, ensuring smooth collaboration.• Conducted investigations on loan discrepancies, providing detailed reports and feedback for process improvement. -
Senior Underwriter - Us MortgageEquilibrium Mortgage Solutions Nov 2019 - Aug 2020Mumbai, Maharashtra, India -
Senior UnderwriterAltisource Business Solutions Private Limited Aug 2015 - Oct 2019Mumbai, Maharashtra, India -
Process LeadTata Consultancy Services May 2009 - Aug 2015Mumbai, Maharashtra, India
Umesh Koli Education Details
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Banking And Financial Support Services
Frequently Asked Questions about Umesh Koli
What is Umesh Koli's role at the current company?
Umesh Koli's current role is Lead - Digital Services | Credit Risk | Underwriting | Mortgage Loan Operations | Expert in Loan Against Property & Commercial Lending | Project Management | Six Sigma Black Belt | PG in Banking & Finance - IIM Trichy.
What schools did Umesh Koli attend?
Umesh Koli attended Indian Institute Of Management Tiruchirappalli, Insaid, Institute Of Hotel Management, Catering Technology & Applied Nutrition, Goa.
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Umesh Koli
Cisa,Cism, Pmp,Spc 6.0, Devops Master, Siam Pro, Itil V4 Mpt, Itil Expert, Prince2 Practitioner, Prince2 Agile, Cobit5, Msp, LeanDelhi, India -
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