James Raj

E-mail: rajnalin87@gmail.com | Mobile No: +91- 9986-939075

Professional Summary:
Exceptional Operations Acting Team Leader understands how to motivate, plan, track, and monitor
achievement of operational goals. Possesses seasoned abilities with identification of operational issues and
the methods to address them. Brings a Bachelor’s degree in Business Management along with 2 years of
operational Acting team leader experience.

WORK EXPERIENCE

Underwriter, Altisource Business Solutions Pvt Ltd 01/20/ 2020-01/24/2023

 Ensure Loan submittals meet internal and external requirements.
 Have extensive experience in underwriting Freddie Mac and Fannie Mae loans.
 Demonstrate excellent follow through with borrowers, loan processors, loan originators
and management throughout all phases of the underwriting process.
 Leverage knowledge of loan products to help restructure turn-down loans for subsequent approvals.
 Underwrite conventional, Alt A, Single Family, Condo’s, Town home, 2-4 units and income
producing properties.
 Income calculation- All type of income (Salaried, Schedule-C, 1065, 1120, 1120-S, SSA, Retirement,
OT, Bonus, Rental…ects)
 Title review, credit report analysis.
 Performed appraisal reviews and recommends additional requirements needed for risk to
adhere company guidelines.

Senior Processor Loss mitigation, Firstsource Solutions Pvt Ltd 04/08/ 2019-13/ 01/ 2020
 Underwriting loan modification decisions for FHLMC/FNMA files; review includes completeness
and accuracy of the document review, income calculations, coding and decisions with investors
standards
 Evaluate credit decisions for accuracy based upon established risk parameters and in
accordance with policy, program and product guideline.

Strategic Accounting Manager, eClinicalWorks Solutions Pvt Ltd 11/27/ 2017-02/15/ 2019
 Accountable for the overall experience the customer has with The Company.
 Prepare monthly/quarterly and annual reports for the assigned clients monitor the
practice performance and also do SWOT analysis on quarterly basis.
 Provided account leadership as a single point of contact while building long-term
strategic relationship with clients and third-party vendor.
 Proactively identify organizational resources to anticipate and respond to customer’s problem and
opportunities.
 Build strong and positive relationship with clients at various levels.
 Provide status information to technical and other functional teams at The Company.
 Build and document knowledge about the client’s business, technical setup and ongoing projects.
 Actively play a part in ensuring practice financial targets are reached.
 Log any bugs or feature requests in the bug and feature handling system.
 Ensure client support tickets are resolved in a fast and professional manner and comply to
agreed Service Level Agreement (SLA).

Dispute Servicing Specialist, Ocwen Financial Solutions Pvt Ltd 04/21/2010 – 12/28/ 2016
 Worked with Research department by reviewing the concerns and finding solutions.
 Working with all the internal teams i.e., Cashiering, credit, escrow, bankruptcy, shorsale,
modification, loan setup, foreclosure and legal teams to resolve customers issue and write
back validating or resolving the issue with adequate proof.
 Politely assisted customers via telephone and email/letter.
 Developed a reputation as an efficient service provider with high levels of accuracy.
 Diligent and detail-oriented -- thorough in gathering borrower information, verifying loan
documents and reviewing file documentation to guide each loan from preapproval to
closing.
  Reviewed and approved the correct files for further process.
 Managing the day-to-day activities of the team.
 Developing and implementing a timeline to achieve targets.
 Delegating tasks to team members.
 Conducting training of team members to maximize their potential.
 Empowering team members with skills to improve their confidence, product knowledge, and
communication skills.
 Creating SOP's for a smooth day to day operations.

EDUCATION
Qualification Institute Board Year
PGDM St. Josephs Institute Of Management AICTE 2018
(Formerly- St. Josephs College of
Business Administration)

 Supervising Staff
 Managing Process
 Conflict Management
Areas Of  Staff Motivation
Expertise:  Handling Complaints
 Delegating Work
 Shrinkage and Attrition calculation
 Capacity utilization planning

LANGUAGES KNOWN

English Tamil Kannada Hindi

Place: Bangalore
Date: 07/08/2023 (James Raj)