Gopii Pagaddala

Underwriter with 4 years of experience in end-to-end underwriting of Conventional and FHA loans. Strong knowledge of FNMA, FHLMC, HUD guidelines, and investor requirements. Expertise in reviewing complete loan files including 1003, credit, income, assets, and collateral documents. Proficient in DU/LP findings analysis, income calculation, and risk assessment.

Analyst at Cognizant (2022-11 – Present)

Associate at Infosys (2022-06 – 2022-10)

Underwriter

• Performed end-to-end underwriting of residential mortgage loan files, ensuring compliance with investor, agency, and regulatory guidelines.
• Reviewed borrower credit reports (Experian, Equifax, and TransUnion) to assess creditworthiness and repayment ability.
• Calculated and validated borrower income from multiple sources, including salaried, self-employed, rental, and other income streams.
• Reviewed financial documents such as Tax Returns (1040, 1120, 1120S, 1065), W-2s, pay stubs, bank statements, and supporting documentation.
• Evaluated Debt-to-Income (DTI), Loan-to-Value (LTV), and other risk metrics to determine loan eligibility.
• Reviewed Desktop Underwriter (DU) and Loan Product Advisor (LP) findings and ensured decision accuracy and guideline adherence.
• Conducted asset analysis, including verification of funds, reserves, and large deposit reviews.
• Assessed property appraisals for valuation accuracy and compliance with lending requirements.
• Identified potential risk factors and applied compensating factors to support sound underwriting decisions.
• Issued approval, suspense, and denial decisions with detailed underwriting conditions.
• Reviewed and cleared underwriting conditions to facilitate timely loan closings.
• Maintained high quality, productivity, and turnaround time (TAT) standards in a fast-paced environment.
• Collaborated with processors, loan officers, closers, and quality control teams to ensure efficient loan processing.
• Provided underwriting guidance and handled escalations involving complex loan scenarios.