Muthamizhan M
Tirupur
Summary
Dynamic Escalation Representative at Wells Fargo with expertise in managing complex mortgage loan processes and foreclosure compliance. Proven problem-solver with strong analytical skills, enhancing operational efficiency. Recognized for quality assurance and effective team management, ensuring timely resolution of client issues while maintaining meticulous documentation per county and court requirements. Proficient in MS Excel and official origination tolls for data analysis and reporting.
Overview
3
3
years of professional experience
Work History
Escalation Representative
Wells Fargo
05.2024 - Current
- Managing end-to-end mortgage loan processes, including origination, underwriting, servicing, and default management.
- Well knowledge in foreclosure, from pre-foreclosure to post-foreclosure
- Working in document execution, post-sale, bidding, rescission, peer review/quality check processes.
- Managing loan servicing activities, including payment processing, escrow analysis, and customer inquiries.
- Maintaining accurate documentation and updated mortgage servicing systems regularly.
- Managing foreclosure processes for delinquent loans in compliance with federal, state, and investor guidelines (FHA, VA, Fannie Mae, Freddie Mac).
- Reviewing and preparing foreclosure-related documents, including breach letters, demand notices, and referral packages.
- Maintaining accurate records of foreclosure timelines, ensuring adherence to regulatory deadlines.
- Coordinating with attorneys, loan servicing teams, and third-party vendors to expedite foreclosure timelines.
- Reviewing and processing foreclosure files, including legal documents, title reports, and financial statements.
- Managing foreclosure proceedings from initiation to completion, ensuring compliance with federal, state, and investor guidelines.
Senior Process Executive
Infosys BPM
08.2022 - 05.2024
- Mortgage loan process and process automation testing or Quality check.
- Supervising for letters management studio process.
- All mortgage processes require quality control and audits, as well as knowledge in sending the borrower's necessary letters.
- Classified and summarized financial data to compile and enter in financial records
- Monitored all deadlines associated with foreclosures and alerted clients when necessary.
- Maintained records of all foreclosures filed by clients.
- Provided guidance to clients regarding options available during the foreclosure process.
- Researched complex legal issues related to foreclosure proceedings.
- Reviewed financial documents to verify accuracy or acquire necessary information.
- Researched discrepancies in foreclosure documents and loan agreements.
- Monitored complaint procedures to process and review complaints.
- Developed and implemented policies to improve team performance.
- Created and distributed monthly, quarterly and annual reports to management regarding performance.
- Expertise in managing mortgage loans in bankruptcy.
Education
Associate of Arts - Batchelor of Commerce(B.COM)
NGM Collage of Arts And Science
Pollachi, India06-2022
Higher Secondary - Accounts And Computer Science
Sri Ramakrishna Mission Vidyalaya
Coimbatore, India04-2019
Skills
- Workflow Analysis
- Flexibility with work and peoples
- Problem-Solving Skills
- Critical Thinking Skills
- Team management and supervising
- Communication Skills
- Pipeline Management
- Well knowledge in MS Excel and Word
- Creativity
- Time management
- Multitasking
- Organizational skills
- Document and records management
- Analytical skills
- Quality assurance
Timeline
Escalation Representative
Wells Fargo
05.2024 - Current
Senior Process Executive
Infosys BPM
08.2022 - 05.2024
Associate of Arts - Batchelor of Commerce(B.COM)
NGM Collage of Arts And Science
Higher Secondary - Accounts And Computer Science
Sri Ramakrishna Mission Vidyalaya
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