Ksasikala Amar

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.

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.

CA-IPCC – Institute of Chartered Accountants of India

Bachelor of Computer Applications in BCA

PUC

SSLC