Ratheesh is seeking a challenging position to utilize his 3+ years of experience in mortgage banking operations at Tata Consultancy Services. He has expertise in reviewing loans for foreclosure referral and responding to emails to ensure smooth operations. Ratheesh aims to contribute to organizational growth through continuous learning and by motivating his team to achieve targets. He has a bachelor's degree in information technology and is proficient in languages like C, C++, PHP, and databases like Oracle.

1. M S RATHEESH
Ratheeshsuresh20@gmail.com
+91 – 8870138167 / 7871365297
CAREER OBJECTIVE .
Seeking a productive position to utilize my skills and upgrade them through continuous learning in
a challenging environment and helps me to contribute efficiently for the growth of the organization while
being resourceful and innovative.
WORKING EXPERIENCE .
Company Name : TATA Consultancy Services, Chennai.
Work Experience : 3.2 Years (16 July 2013 – 23 September 2016).
Domain : MORTGAGE BANKING.
Project : STRAT 2 REFERRALS – MORTGAGE BANKING.
Previous position’s : Pre-foreclosure specialist, Subject Matter Expert and NMS Quality Checker.
Current position : Subject Matter Expert, Quality Checker and NMS Pre-FC Trainer.
Profile Description:
 Servicing mortgage banking operations.
 Reviewing loan for foreclosure referral.
 Taking care of mortgage operations for Citigroup.
 Working on customer’s loan information through various applications.
 Updating attorney with various financial information of the loan.
 Responding to the e-mails from various departments for the smooth flow of operation.
 Determine closing conditions and preparing documents for delivery.
 Research misapplied payments and also posting of payments.

2. . CURRENT ROLES AND RESPONSIBILITIES .
 Preparing daily workloads for staff & coordinating the daily allocation of work.
 Mentoring and training up junior and new staff.
 Preparing Management Information Report (MIS) and Error Analysis Report.
 Enforcing all company approved policies and procedures.
 Constantly looking for ways to improve processes.
 Implementing new initiatives and making sure all staff understand them.
 Taking action to correct and staff shortcomings.
 Managing and monitoring staff attendance.
 Giving prompt and accurate information on individual staff member performance.
 Attending and participating in Business analysis meetings.
 Ensuring a clean, safe and friendly working environment.
 Reporting to senior managers.
 Motivating the team to achieve targets.
 Handling new client enquiries and acting as the face of the business.
 Dealing with and resolving problems and issues which arise.
 Monitoring & reporting on standards & performance targets.
 Arranging team meetings, focusing on targets & achievements.
 Praise team members and creates a positive working environment.
 Determined the duties and responsibilities of individuals in a team.
 Analyzed the individual performance of each team member and motivated them to perform even
better.
 Analyzed the assigned projects and distributed tasks to the members as per their area of expertise.
 Offered solutions to the top management regarding project-related queries.
STRENGTHS .
 I believe in maintaining high standard of work.
 Good communication skills.
 Ability to work effectively, both in a team and independently.
 Willingness to learn, to perform & take on responsibilities and challenges.
 Ability to interact with all age groups.
 Hard working and a fast learner with a flair for learning new things.
 I believe in sincerity and dedication in the execution of the work given to me.
 Ability to perform multiple tasks and meet critical deadlines while maintaining accuracy and
quality.

3. INTERNAL PROCESS DEVELOPMENT PROJECT .
 Developed an Excel Based Kaizen Project for the Team to reduce the
average UPT of each Account which also Enhanced the Quality of Account which greatly helped in
increasing Quality level in Client Quality Grid
ACHIEVEMENTS .
 Awarded by TCS BPS BPO for my excellent work and for delivering 100% productivity and quality
while working on Start 2 Referral Process.
 Promoted as a senior associate in TCS in One and half years.
 Won many appreciations and accolades from Clients while working in my Process for prompt and
best solutions. These appreciations were marked to the senior management as well.
 Identified as Subject Matter Expert.
CERTIFICATE
.
 Certified Best Performer award from CITIMORTGAGE Client.
 Certified as a Best Dancer from Overall TCS Dance Competition conducted in Chennai.
 Certified as a Best student and Top performer in BSC IT.
 Boxing Trainer in GOLDS GYM Adyar, Chennai.
ACADEMIC CHRONICLE .
 Bachelor of Information Technology (BSC IT) at KONGUNADU ARTS AND SCIENCE
COLLEGE, Coimbatore Affiliated to Bharathiyar University and secured an aggregate of 88 %,
during the year – 2010 to 2013.
 XII from Mahajana Higher secondary school, Mettupalayam and secured an aggregate of 81%,
during the year – 2008 to 2010.
 X from Mahajana Higher secondary school, Mettupalayam and secured an aggregate of 91%,
during the year – 2007 to 2008.
SOFTWARE PROFICIENCY .
 Languages : C, C++.
 Languages/Databases : Hyper Text Preprocessor (PHP), HTML, Oracle.
 Utilities : Microsoft Excel, Microsoft office Access, Microsoft PowerPoint.

4. PERSONAL PROFILE .
Name : Ratheesh MS
Father’s Name : Suresh M.
Phone No : 8870138167 / 7871365297.
Sex : Male
Date of Birth : 20-12-1992.
Marital Status : Single
Nationality : Indian
Communication Address : 12 R, Madhayan Layout, Metupalayam – 641 305.
DECLARATION .
I hereby declare that the above-mentioned information is correct up to my knowledge and I bear the
responsibility for the correctness of the above-mentioned particulars.
Place: Coimbatore
Date: (Ratheesh MS)