AALIYA BASHIR KANUE

• Origination Production handling team of 10 plus Closers.
• Maintain open communication with and support other departments.
• Pipeline & assignment management within the team to ensure timely disclosures not breaching SLA
• Keeping up with changing compliance regulations and ensuring all loans are processed in adherence to those new regulations.
• Work closely with closers & clients & loan teams to resolve loan level issues or escalations.
• Reviewing post-closing audit for findings and resolving any issues for investor delivery resulting from closing services.
• Embrace and Implement process improvement via technology or process.
• Experience with Non-Escrow and Escrow state Closings and Funding.
• Proficient in all aspects of closing relating to State, Federal and Investor requirements.
• Determine that all revisions are within TRID compliance.
• Verify that PTF/PTD conditions are recorded and properly communicated to correct person
• Manage and provide direction/mentorship to respective team members.
• Ability to double up as closer on need basis.
• Working knowledge of Encompass. Preparation of Closing Disclosure & Closing Package.
• Established open and professional relationships with team members to achieve quick resolutions for various issues.
• Well versed with 1003, Appraisal report , Home Owner's Insurance, warranty, HOA, Purchase contract, IPC matrix
• Joined Better.com in Feb,2020 as Analyst Closing Disclosure team & was promoted to the role of SME - my job responsibilities involved around QC of my team members along with constructive feedback, imparting training/refreshers to help & assist to improve the quality of the closers.
• Coached team members in techniques necessary to complete job tasks.
• Worked different stations to provide optimal coverage and meet production goals.
• Evaluated employee skills and knowledge regularly, training and mentoring individuals with lagging skills.
• Mentored newly hired employees & developed training SOP's to use for reference.
• Took on additional job duties during unexpected backlog, resulting in meeting project target date.
• Participated in cross-functional team-building activities.
• Managed schedules, accepted time off requests and found coverage for short shifts.

Worked with multiple clients which includes ICICI Bank, TCHFL, ABHFL, Axis & LICHFL etc. In the lending industry. Have acquired expertise in appraising different loan proposals on both formal document based and assessment based underwriting. Have also been a part of Bulk deal with India Shelter Housing Finance for Affordable segment in IMGC

• Analysis of Credit documentation, identifying the Insurance requirements and Mortgage Insurance cover as per compliance. Proper reporting of red flags.
• Generation ,interpretation & analysis of FCU , CPV , CIBIL reports, SOA
• Complete and thorough analysis of banking and financial statements.
• Coordinating with PD, legal and technical vendors & complete understanding of reports.
• Handle PD with ease , Verifying legitimacy of borrower reported Income and Turnover. TAT maintenance , Vendor Management
• Have expertise in handling both Salaried & SENP/SEP borrowers both formal and assessment based borrowers.
• Preparation of Credit Appraisal Memo and decision cases based upon policy guidelines within my limit or recommending them for further approvals. Managed to approve at least 5 files a day.
• Risk and policy compliance Management
• Handling & mentoring of CPA teams

• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Made decisions and recommendations about extending lines of credit.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.

• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Reviewed and verified income, credit reports and employment histories for each borrower.
• Adhered to banking standards and government lending guidelines for loan services.
• Organized and finalized loan applications for underwriter review.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.