Ajeeth Kumar

About Ajeeth Kumar

Dynamic Banking Professional with over 6.5 years of expertise in Residential and Commercial Mortgage Lending. I specialize in end-to-end loan life-cycle management, collateral operations, insurance analysis, and regulatory compliance, with a proven track record of driving operational efficiency, risk mitigation, and team development in fast-paced, high-performing environments.Underwriting & Portfolio Management: Skilled in Commercial and Residential Underwriting, conducting in-depth Level 2 and Level 3 reviews for complex loan portfolios. I collaborate with cross-functional teams to resolve discrepancies and ensure compliance with internal policies and federal regulations.Collateral & Closing Expertise: Proficient in collateral boarding, monitoring, and release processes, maintaining accuracy in ACBS systems. I excel in managing closing processes and handling maintenance requests, including Annual Reviews, Risk Rating Changes, Renewals, and Limit Adjustments.Insurance Analysis: Experienced in reviewing property and liability insurance documents, ensuring accurate updates in the ITAC application. Title Search & Lien Release: I manage the end-to-end process of preparing and issuing lien releases for aged, unreleased mortgage encumbrances. In this role, I meticulously review recorded mortgages, assignments, recent title search reports and all pertinent supporting documentation to trace the chain of assignment and verify that every stipulation has been satisfied before issuing a release.Leadership & Development: Successfully led teams of up to 6 members, fostering productivity and meeting tight deadlines. I’ve trained and mentored new hires with practical case studies, enhancing on-boarding efficiency and deepening their understanding of mortgage processes.Operational Excellence: Designed customized reports and procedural checklists to streamline workflows and boost process efficiency, consistently achieving operational goals.Client & Stakeholder Management: Built and maintained strong relationships with clients and stakeholders (Onshore Teams/Agents) through excellent communication, ensuring seamless process execution.Problem Solving: Adaptive and solution-oriented, I thrive in deadline-driven settings, delivering results under pressure.

Experience

1. Banking Advisory Analyst

   Accenture

   Apr 2022 — Present · Chennai, IN

   Designation:As a Banking Advisory Analyst (SME) on the Underwriting Team, I manage credit facilities—revolving lines, term loans, letters of credit, overdrafts, and commercial cards—handling portfolios up to $5 million and transaction support (ACH, daylight overdrafts) up to $20 million. I coordinate monthly renewals, escalating accounts above $5 million to Central Portfolio Management.Annual Reviews & RenewalsLevel 3 (<$1 M): Update borrower data, calculate risk ratings, generate LexisNexis reports.Level 2 ($1 M–$5 M): Analyze industry trends and financial statements, prepare memoranda and PowerPoints summarizing borrower profiles, risks, and mitigation strategies, and resolve stakeholder queries.Financial Analysis & Risk ScoringInterpret financial statement notes to flag anomalies, validate data for risk scoring, and produce scorecards on borrower profiles, collateral, and repayment capacity, recommending adjustments where benchmarks deviate.Collateral & Insurance OperationsMaintain and audit collateral records in ACBS (mortgages, UCCs, appraisals, insurance), validate real-estate details, manage escrow and tax records, monitor UCC filings, and coordinate lien releases and cash-hold removals in compliance with state laws.Process Improvement & ReportingBuilt an Excel Power Pivot dashboard for real-time productivity tracking and an automated checklist using IF functions to reduce errors. Designed visual flowcharts for training and generated OE reports (3×3 metrics, Factory Models) to identify bottlenecks and inform leadership.Awards & RecognitionR & R Award Q1 & Q2 2024 for client value creationStar of Business Award FY 2022Client commendation for efficient data extraction

Education

• Dhanalakshmi College of Engineering

  Bachelor of Engineering (B.E.), Electrical and Electronics Engineering

• Doveton Boys Higher Secondary School

  10th

• Doveton Boys Higher Secondary School

  12th, Computer Science