Siddham Jain

• Conducted detailed operational risk assessments while reviewing purchase contracts, contingencies, seller concessions, and financing terms to identify discrepancies and potential process risks. • Performed RCSA-aligned checks on loan documentation to evaluate control effectiveness, highlight operational risk exposures, and ensure compliance with internal policies and regulatory standards. • Reviewed purchase agreements, real estate contracts, title documents, and transfer-tax requirements as part of ongoing operational risk management and control monitoring. • Collaborated with underwriters, title companies, and attorneys to resolve documentation issues and strengthen operational risk controls across the mortgage process. • Executed borrower repayment capacity assessments and asset evaluations using income documents, retirement statements, investment accounts, and financial disclosures while applying RCSA principles to identify risk gaps. • Validated asset sufficiency for down payments, reserves, and product-specific requirements while documenting operational risk findings and contributing to RCSA reporting cycles. • Performed end-to-end verification of financial assets—including checking, savings, mutual funds, money market accounts, CDs, and gift funds—ensuring alignment with compliance, operational risk standards, and RCSA frameworks. • Identified recurring documentation issues, contributed to root-cause analysis, and supported operational risk reporting to enhance process controls and reduce error rates. • Participated in strengthening the operational risk framework by providing insights for RCSA updates, mapping controls, and documenting risk-mitigating procedures in loan processing.