Udhayakumar.r

Banking Operations professional with 2 years of experience in U.S.

Commercial

Lending and Loan Origination, supporting the end-to-end lending lifecycle from deal intake to loan booking. Demonstrates consistent expertise in Pre-Underwriting, credit documentation analysis, and multi-product loan setup, with a proven track record of 99.98% quality accuracy and 106% SLA performance. Adept at evaluating complex borrower financials, validating collateral structures, and enforcing compliance with credit policies and regulatory requirements to enable sound and efficient underwriting decisions.

Recognized 9 times as Monthly Top Performer and entrusted with quality review responsibilities within 5 months of joining.

Banking Operations New Associate - Accenture

(2024-05 - 2026-04)

• Owned end-to-end Commercial Lending and Loan Origination workflow across deal intake, document validation, pre-underwriting checks, and loan booking, consistently meeting stringent SLA and quality benchmarks.
• Executed Pre-Underwriting assessments by evaluating borrower eligibility, identifying documentation gaps, and ensuring completeness of credit packages, directly reducing rework and accelerating deal turnaround.
• Analyzed borrower financials and credit documentation (tax returns, W-2, K-1 statements, appraisal reports, loan agreements, purchase agreements) to support credit decisioning and risk assessment.
• Validated loan structures, collateral coverage, and borrower entity details ensuring full alignment with internal credit policies and regulatory requirements.
• Processed New Money, Renewals, Reviews, and Modifications across Revolving/Non-Revolving LOCs, Term Loans, Bridge Loans, SBA Loans (7a, 504, Express), Letters of Credit, and Syndicated Loans.
• Performed accurate loan setup in Salesforce and AFS Vision, coordinating with Relationship Managers, Underwriters, Credit Risk, and Compliance teams for seamless end-to-end processing.
• Executed OFAC screening and regulatory compliance validations ensuring zero compliance gaps prior to loan booking.
• Entrusted with loan setup quality review within 5 months, overseeing documentation accuracy and process compliance across team output.
• Have knowledge of mortgage documents (Uniform Residential Loan Application 1003, Promissory Note, Closure Disclosure), performing DTI, Income, and LTV calculations, reviewing loan covenants, and ensuring compliance with RESPA, TILA, ECOA, and HMDA.

MBA - University of Madras (2023 - 2025)

B.Com - St. Thomas College of Arts & Science (2020 - 2023)