Kiran Asware

With over 8 years of experience in the mortgage industry, I have developed a deep expertise in mortgage processes and activities. I have a track record of effectively managing multiple lenders, leveraging my strong organizational and communication skills to deliver outstanding results. My dedication and hardworking approach have been critical to my success thus far.

I am available to start immediately and am eager to apply my skills and experience to a new role in the mortgage industry, where I can contribute to the success of a dynamic team.

Processor - Mphasis (Digital Risk)

(2023-06)

Pre closer And Post Closer & and Doc review. Worked On: IFF and DMP TWIC Portal

• Review and validate mortgage loan documents during Pre-Closing and Post-Closing stages.
• Perform document indexing and quality checks
• Verify loan data, borrower information, closing documents, title documents, and compliance requirements.
• Ensure loan files meet investor and client guidelines before funding and delivery.
• Co-ordinate with internal teams to resolve document deficiencies and exceptions.

Underwriter - CCO

(2021-08 - 2023-02)

Post closing & Pre-Closing ( Fix N Flip & NQM End-to-End Live Underwriting). Worked On: Selene & Hard money

• Performed end-to-end underwriting for NQM and Fix & Flip loans.
• Reviewed income, assets, credit, appraisal, and title documents.
• Calculated and analyzed LTV, CLTV, DTI, 4C and borrower eligibility.
• Assessed loan risk and made underwriting decisions as per investor guidelines.
• Worked on IFF DMP TWIC ACAPS Selene and Hard Money platforms for loan review and approval.

Team Member - SLK Global Solutions Pune - Pune

(2021-04 - 2021-08)

Collateral review, initial loan estimate appraisal review, Insurance Documents all Pre-closing. Worked On: Mortgage Now.

• Reviewed collateral documents, loan estimates, appraisals, and insurance documents.
• Conducted pre-closing reviews to ensure document accuracy and completeness.
• Verified borrower, property, and loan information against underwriting requirements.
• Identified discrepancies and coordinated corrections before loan closing.

Associate - (Suma Soft) Flat World Solutions - Pune

(2019-04 - 2021-04)

Insurance Reviewer ( Blue boot ) Appraisal viewer Indexing

• Initial process, loan estimate & indexing
• Actively involved in Loan Review Process where we Conform the loan documents verify the parameters Indexing of documents Review various documents like Note, Mortgage – Unrecorded, Hud-1, Final Application 1003, AUS, Credit Report, Appraisal, Income Docs, Closing Docs, etc.
• Verifying the error and sending back to the appraiser for corrections
• Match accuracy of every information and verifying the documents
• The file is delivered to borrower if the appraisal has no revision required.
• Pre closing as well as Post closing
• Audit Documents - Reviewing the process done by the team members (Quality Check)
• Maintaining all updates received from Client.
• Reviewing the Insurance repot, appraisal report using tool (Platinum Data - Realview.HTML)
• Verifying the current market value of the subject a property.
• Verifying the comparable properties that have sold recently, especially those that are similar in size and location to the home buying. Their sale prices are usually the most important factor.
• Verifying general condition, quality of construction and age of the property.
• Check the adjustments regarding the location of the property, including views or other remarkable features.
• Verifying the Size and features of the home and property, including the number of bedrooms and baths.

Executive - Tata Business Services Support (Q Connect) - Pune

(2016-12 - 2018-12)

Process: TATA Sky

• Obtains client information by answering telephone calls; interviewing clients; verifying information.
• Determines eligibility by comparing client information to requirements.
• Establishes policies by entering client information; confirming pricing.
• Informs clients by explaining procedures; answering questions; providing information.
• Maintains communication equipment by reporting problems.
• Maintains and improves quality results by adhering to standards and guidelines; recommending improved procedures.
• Updates job knowledge by studying new product descriptions; participating in educational opportunities.

MCA - University of Pune