Vikrant Singh

Email ID: viki_singh1983@yahoo.co.in

Contact No. : 09891808861

Career Objectives

Aspiring to be suitable placed in esteemed organization. Besides I shall always live to your
expectations at all times. I would like to take up increased responsibilities and challenges to
secure responsible and challenging positions where I can make a significant contribution to my
employer.

Company Name - Capgemini Technology Services India Limited. (Feb - 2012 to till now)

Currently working with one of the largest bank of US as Credit Analyst.

Documents: Note, Endorsement, Title, Final Application, Appraisal Report, DEED, Deed of Trust, LE,
CD, and Hazard/Flood Insurance.

Job Profile:

 Responsible for reviewing loan applications for completeness and accuracy, verifying
supporting income, and asset and liability documentation.
 Check income document, credit history, debt ratios and saving meets the particular loan.
 Analyze the loan documents and credit risk, borrower and property information.
 Verify accuracy of supporting employment, down payment, and financial documentation
received.
 Review Appraisal report to make sure it is accurate, so that the home is truly worth the
purchase price.
 Calculate various ratios (LTV/DTI).
 Knowledge of 5 C’s.
 Performing full analysis of the loan files and arranges file in proper stacking before
submitting.
 Create flow-up in case of any discrepancies and incorrect information.

Job Profile For : (Home Affordable Modification Program)

 Working on Loan Modification Program to cure delinquency on loans based on

borrowers monthly income and in some cases stopping borrower’s property from getting
foreclosed.
 Auditing Various Kinds of documents for mortgage loans serviced by the Client.
 Escalation in case of discrepancies and incorrect information.
 Profile the customer and transaction(s) with the available system resources.
  Monitor and review debit/credit card transactions.
 Ability to analyze financial statements, tax returns, and other means to verify personal
income and history of customers.
 Update the entire step - Document Logging, Income Validation, Payment Plan Setup, and
Liability Analysis.

Roles and Responsibility:

1) Preparing Daily aging, daily refresh and Productivity report.

2) Quality Audit for the process to ensure that the SLA quality parameters are met.
3) Providing timely feedback to the agents on the defect/error items.
4) Preparing Quality reports and publishing weekly data to the QA team.
5) Training new hires and reporting their progress and issues to process manager and
training manager.
6) Knowledge of RCA, CAPA and FMEA.
7) Regular updating and maintaining the SOP for the project.
8) Give ideas on further improvements in process and act to the implementation of the same.
9) Coordinating team activities.
10) Knowledge of MS-office and E-Views.

Exl Service (I) Pvt. Ltd. Noida: (Nov 2006 to Oct 2011)

Worked with one of the largest Canadian bank at Mortgage Renewals and Cards Services
process.

Job Profile for Mortgage Renewals:

 When a term is coming to close, most banks will send a mortgage renewal notice in the
mail usually 3 - 4 weeks prior to expiration. At this time the banks assume that
mortgagors will sign on with them for another term.

 Working on a Mortgage Renewals Agreement under provided guidelines for better rate of
interest and term.

 We do Mortgage Renewal on the basis of provided information in the agreement i.e.

Renewals date, Existing mortgage balance, Interest rate, Term, Amortization, Maturity
 Date, Projected Balance at maturity, Insurance Premium, Payment frequency, First
Payment date.

Job Profile for Cards Services:

 Interest change request – in this process we wave of interest and other fees on credit cards
 Out of Sync Part with adjustment of points in various cards i.e.-Avion, Classic-II, Royal
Rewards, Infinite Avion Cards.
 Classification Change Report.

Initiatives:-

 Generate the report on a daily, weekly and monthly basis

 Maintain the data for volumetric report, for work volume Received, Pending, Total
Outstanding, TAT and Ageing.
 Maintain the attendance sheet on a daily basis.
 Update escalation tracker and KPI sheet on a daily basis.
 Maintain roaster TMS data for the team.
 Giving feedback to associates regarding their performance.
 Being responsible to publish associates Productivity & Quality Data.
 Sharing new updates with team members.
 Providing training to new associates while there are on learning curve.

Educational Qualification:

 M.A. (Economics) from CCS University, Meerut in 2006.

 B.A. from CCS University, Meerut in 2004.
 12th from UP Board in 2001.
 10th from UP Board in 1998.

Personal Details:

Date of Birth : 16th June 1983

Father's Name : Mr. Surendra Singh
Address : RZ-16A\15G, STREET NO-2, MAIN SAGARPUR WEST, DELHI-46
Marital Status : Married
Nationality : Indian

Date:
Place:

Signature:
Vikrant Singh