ajay kumar

Senior Analyst

Better Mortgage

Aug 2024 - Current (1 year 11 months)

US Mortgage - Title ReviewerExamine title records to ensure accuracy and completenessReview and analyze title documents to determine ownership and liensPrepare title commitments and title insurance policiesMaintain accurate and up-to-date title recordsResolve title issues and disputes with stakeholdersCoordinate with real estate agents, lenders, and clients to gather necessary informationStay current on changes to title examination laws and regulationsProvide exceptional customer service to clients and stakeholders

Deputy Manager

ICICI Bank

Feb 2023 - Aug 2024 (1 year 7 months)

PunjabManaging large corporate clients turnover up to 600 cr and providing trade & CMS solutions.Conducted detailed credit appraisals: analyzing financial statements, cash flows, and ratios to structure proposals.Prepared and presented credit notes in alignment with bank's credit and risk policy frameworks.Coordinated with internal credit and legal teams for sanctions, documentation, and approvals.Identified and cross-sold relevant products: trade finance, cash management, treasury, and insurance.Delivered exceptional client servicing, ensuring high retention and satisfaction.Trade Finance Inward & Outward remittancesEPC & PCFC disbursementsLodgments & Knockoff of C to C documents

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Operational Analyst

Flyhomes Residential India Pvt Ltd

Aug 2021 - Nov 2022 (1 year 4 months)

NoidaUS Mortgage - Title ReviewerExamine title records to ensure accuracy and completenessReview and analyze title documents to determine ownership and liensPrepare title commitments and title insurance policiesMaintain accurate and up-to-date title recordsResolve title issues and disputes with stakeholdersCoordinate with real estate agents, lenders, and clients to gather necessary informationStay current on changes to title examination laws and regulationsProvide exceptional customer service to clients and stakeholders

Senior Analyst

Better Mortgage

May 2019 - Aug 2021 (2 years 4 months)

GurugramUS Mortgage - Title ReviewerExamine title records to ensure accuracy and completenessReview and analyze title documents to determine ownership and liensPrepare title commitments and title insurance policiesMaintain accurate and up-to-date title recordsResolve title issues and disputes with stakeholdersCoordinate with real estate agents, lenders, and clients to gather necessary informationStay current on changes to title examination laws and regulationsProvide exceptional customer service to clients and stakeholders

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Senior Analyst

Royal Bank of Scotland, RBS

May 2012 - May 2019 (7 years 1 month)

New DelhiTo perform end to end KYC checks at the time of onboarding of the client & during our relationship with them which includes AML, sanctions check, adverse media etcProcess includes New Customer Onboarding, Periodic Reviews & Event Driven updatesTo perform KYC Quality Checks & remediation's for UK&IAuthorizing and underwriting loansReviewing and verifying loan applications and supporting documentationAnalyzing loan risk and requesting additional information as necessaryEnsure that borrower is meeting the FIC Criteria (Free Income Criteria)

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