MOHAMMED ALAM
New York,NY
Summary
Highly-skilled Operations Specialist bringing eight years of expertise in Retail Banking, Mortgage Loan Servicing, Auto Loan Servicing and Residential/Commercial Mortgage products. Critical thinker cultivates rapport with individuals to optimize project goals and output, resolve complex problems and deliver innovative improvement strategies. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Operations Specialist – Loan Servicing
United Nations Federal Credit Union
New York, US
01.2022 - Current
- Ensure new Mortgages, HELOCs, Co-Op successfully onboard from Mortgage Operations and Consumer Lending to the Loan Servicing area (FISERV-DNA)
- Verify all loan information transferred from EMPOWER through GROUND CONTROL is accurate and works with Mortgage Operations and Post Closing to resolve any inaccuracies
- Responsible for compliance with applicable Federal, State and NCUA rules, regulations and laws while upholding UNFCU's commitment to quality member service and representing UNFCU in a positive and professional manner
- Responsible for tax and insurance tracking, escrow disbursements and analysis
- Complete Auto loan Serving such as (including but not limited) receiving title for loans coming from dealer/DMV, posting Lien Record, requesting missing documents from Member/Dealer, releasing auto title, maintain communication with the customer/dealer throughout the process
- Evaluated potential risks associated with proposed changes or modifications before implementation
- Analyzed operational performance to identify pain points and provided actionable solutions to management
- Set specific goals for projects to measure progress and evaluate end results
- Analyzed customer feedback to improve operations processes and increase customer satisfaction
- Supported asset transfers, lender and equity requests and audit inquiries
- Displayed strong telephone etiquette, effectively handling difficult calls
- Organized client meetings to provide project updates
- Developed reports detailing operational performance, trends, costs, productivity.
Loan Servicing Specialist
Valley Bank
Wayne, New Jersey
05.2018 - 02.2022
- Managed a team of six employees in the Payment Processing department
- Processed cheques electronically & manually received for Consumer Installment Loans, Residential Mortgage, Consumer Credit Card, Commercial Mortgage & Home Equity- Line of Credit, Reconciling daily GL probe
- Processed a pipeline of complex FHA, VA, Non-Conforming, and Conforming mortgage transactions
- Performed Auto Loan Payoff and Contact Dealer/Customer if needed (15-20 Payoffs daily basis)
- Resolved customer inquiries regarding payment plans, interest rates, account balances, escrow accounts
- Worked closely with third parties such as title companies or appraisers throughout the lending process
- Collaborated with cross-functional team to define features and build powerful and easy-to-use products and customer-facing workflow tools
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Payment Processor
Valley Bank
Wayne, New Jersey
02.2017 - 05.2020
- Reviewed Transaction Monitoring cases for our products, which may lead to regulatory report filings
- Validated Suspicious Activity Report (SAR) and/or Suspicious Transaction Report (STR) forms against internal documentation and supporting evidence for accuracy prior to filing with FinCEN
- Applied analytic techniques to complex cases to make logical and supported recommendations
- Produced timely and accurate information for Transaction Monitoring Team Lead or management team to assist in decision-making processes, including escalating any investigative issues or program gaps
- Advocated for Financial Compliance Operations, carried and drove the FinCom care culture with colleagues and within the team
- Verified, classified, computed, posted and recorded accounts payable data and reconciled daily totals to confirm proper accounting
- Performed various accounts receivable functions, handled cash receipts posting, updated cash flow reports and researched chargebacks and write-offs.
Technical Support Specialist
Oppenheimer & Co. Inc.
Woodbridge, New Jersey
11.2015 - 11.2016
- Assisted in design, development, and maintenance of system documentation and procedures where applicable
- Provided first line support to corporate employees in resolving computer software and Hardware
- Assisted customer with setting up accounts, resetting passwords, modifying permissions, distribution lists, elevate user rights via Active Directory
- Created PST folders, email accounts, and updated security patches via outlook
- Received, documented, prioritized, and resolved end users help desk request
- Evaluated documented resolutions for current trends and preventative maintenance
- Installed requested software on LAN\WAN based PCs.
Education
Bachelor's Degree in Computer Science -
Thomas Edison State University
08.2012
Skills
- Operational Efficiency
- System Development
- Planning and Coordination
- Case Management
- Regulatory Compliance Understanding
- Escrow Management
- Personal Data Collection
- Loan Disbursement
- Loan and Transactions Advisory
- Bank Secrecy Act BSA
- Closing Documentation
- Problem-Solving
- Financial Information Monitoring
- Deposit and Payment Collection
- Banking Operations
- Payment Management
- Branch Operations
- Consumer Banking
Certification
- CompTIA A+
- Technical Support Fundamentals by Google
Websites
http://www.linkedin.com/in/m0hammed-alam
Languages
English, Native/ Bilingual
References
References can be provided upon request
Timeline
Operations Specialist – Loan Servicing
United Nations Federal Credit Union
01.2022 - Current
Loan Servicing Specialist
Valley Bank
05.2018 - 02.2022
Payment Processor
Valley Bank
02.2017 - 05.2020
Technical Support Specialist
Oppenheimer & Co. Inc.
11.2015 - 11.2016
Bachelor's Degree in Computer Science -
Thomas Edison State University
- CompTIA A+
- Technical Support Fundamentals by Google
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