Ksasikala Amar
Mortgage Underwriter with 10+ years of experience in the US residential mortgage industry
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About
Mortgage Underwriter with 10+ years of experience in the US residential mortgage industry. Skilled in Conventional, Fannie Mae and Freddie Mac underwriting, income and credit analysis, DTI/LTV calculations, document review, compliance, collateral evaluation, quality review and risk assessment.
Experience
Senior Underwriter at Firstsource Solutions Ltd. (2022-01 – Present)
- Review borrower eligibility, income, assets, credit, and appraisal documents.
- Ensure compliance with investor, HUD, and company guidelines.
- Perform quality reviews and verify loan file accuracy.
- Issue underwriting conditions for all 4 Cs wherever necessary.
- Work as a Live Underwriter, evaluating loan files based on the 4 Cs (Credit, Capacity, Capital, and Collateral) to determine borrower eligibility and loan approval.
Senior Underwriter at Moder Operations India Pvt. Ltd. (2021-12 – 2022-12)
- Underwrite Conventional and Fannie Mae & Freddie Mac guidelines.
- Reviewed loan documents for completeness.
- Updated data in LOS.
- Managed indexing in EDMS and maintained files in Lakewood and Blueprint.
Associate at Visionet Systems Pvt. Ltd. (2020-11 – 2021-11)
- Reviewed mortgage files for pre-underwriting readiness.
- Validated borrower documentation and client requirements.
- Arranged documents as per client checklist.
- Added necessary conditions wherever necessary.
Associate (SUW) at Stratycon Technologies Pvt. Ltd. (2018-01 – 2020-09)
- Prepared mortgage files for underwriting.
- Generated productivity and quality reports.
- Received multiple performance awards.
Audit Assistant at G. V. Ramanaiah & Co. (2005-01 – 2012-12)
- Assisted in audits and tax return preparation.
- Maintained accounting and journal records.
- Filed VAT returns.
Education
CA-IPCC – Institute of Chartered Accountants of India
Bachelor of Computer Applications in BCA
