Charles Joseph

• Oversee and manage a team of underwriting support staff, providing guidance, training, and coaching
• Improved team efficiency by streamlining processes and implementing innovative management strategies.
• Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
• Collaborated with cross-functional teams to drive business growth and achieve corporate objectives.
• Created and maintained a strong team culture that promoted high levels of collaboration, employee satisfaction, and overall performance.
• Mentored junior staff members on best practices for project management and team collaboration skills, fostering a supportive work environment.
• Developed strong relationships with stakeholders to facilitate smooth communication and project completion.
• Ensure high-quality underwriting support by monitoring and evaluating team performance.
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Focus on delivering results, meeting targets, and exceeding client expectations.
• Identify and mitigate risks associated with underwriting processes.

• Currently working at Ocwen Financial Solution PVT LTD as Asst. Manager in Origination

• Hands-on experience in managing various projects, transitioning new processes, working with IT group to set up automated process

• Recognize and escalate urgent/sensitive issues to Manager

• Identifying gaps in existing process and identify actions for process improvement.

• Designed and Supervised Annual Performance Appraisals and yearly KPI of the team

• Effectively delegating tasks to subordinates to develop their own expertise to achieve effective results

• Skilled in setting operational process control for all processes to mitigate risk towards customer and Investors

• Review and update Quality parameters in the process Checklist on a quarterly basis

• Brainstorm with Onshore counterparts to determine project needs, objectives and desired outcomes of each research initiative

• Constructively engages in mutual feedback process with supervisor and direct reportees, Provides concrete, regular and actionable feedback

• Spearheaded Modification Underwriting , Day 1 QC, COC (Re-disclosure), Initial Closing Disclosure, CTC Checklist & Pre processing

• Executed the lending process in January 2020 at a new branch.

• Implement any change in procedure as per business requirements.

• Prepare and publish performance report for the team on daily and monthly basis.

• Provide error trend analysis for the team and discuss the top missed errors.

• Organized calibration sessions.

• Persuaded PKT for the team and provide root cause analysis on the top missed questions.

• Scrutinized root cause analysis on all the errors and identified trainings needs.