Mohan Chippa
Senior Analyst – US Mortgage Loan Underwriting
Hire this person
Send a job offer directly to this candidate
About
US Mortgage Loan Underwriter with 4+ years of experience across End-to-End and Live Underwriting for Conventional and FHA mortgage loans. Strong knowledge of HUD, Fannie Mae (FNMA), Freddie Mac (FHLMC), investor guidelines, DU/LP, credit risk, DTI/LTV, income calculation, asset/liability review, appraisal analysis, and underwriting conditions. Experienced in reviewing 1003, credit, income, assets, liabilities, disclosures, AUS findings and tax documents.
Proficient in Encompass LOS, pipeline management, SLA/turn-time delivery and coordination with processors, closers and QC teams.
Experience
Senior Analyst – Mortgage Loan Underwriting at Société Générale (2026-04 – 2026-07)
Performed End-to-End and Live Underwriting support across pre-underwriting and live-underwriting platforms.
- Underwrote Conventional loans in line with HUD, FNMA and FHLMC requirements; reviewed complete loan packages including 1003, credit, income, assets, liabilities, disclosures and AUS findings.
- Validated employment through VOE/VVOE and calculated qualifying income for salaried and self-employed borrowers using W-2s, pay stubs, 1040s, Schedule E, 1065, 1120, 1120S, K-1s and transcripts.
- Evaluated the 4 C's of Credit, appraisal/collateral, layered risk and AUS (DU/LP) findings; issued and cleared underwriting conditions.
- Managed high-volume pipelines using Encompass LOS while meeting SLA/turn-time targets and maintaining compliance with TRID, RESPA and internal guidelines.
Executive – Mortgage Loan Underwriting at TMF Services India Pvt Ltd (2025-06 – 2025-09)
Performed End-to-End and Live Underwriting support for Conventional and FHA mortgage loans under HUD, FNMA, FHLMC and investor guidelines.
- Evaluated loan packages using the 4 C's of Credit and analyzed complex credit profiles including liabilities, payment history, collections, bankruptcies, foreclosures and discrepancies.
- Identified layered risks, issued actionable underwriting conditions and supported final loan decisioning including Approval, Suspension and Denial.
- Performed pre-underwriting credit reviews and assisted with AUS submissions, resubmissions and findings analysis.
Senior Associate – Mortgage Underwriting at Core Front Technologies (2023-11 – 2025-04)
- Calculated qualifying income for salaried and complex self-employed borrowers using tax and employment documentation.
- Analyzed W-2s, pay stubs, 1040s, Schedule E, 1065, 1120, 1120S, K-1s and IRS transcripts; validated employment through VOE/VVOE.
- Reviewed asset documentation for funds to close, sourcing and seasoning; reviewed appraisals and collateral for policy/investor compliance.
- Supported QC reviews and reduced post-funding defects through detailed documentation and policy checks.
Associate – Mortgage Services at WNS Global Services Pvt Ltd (2022-08 – 2023-10)
- Reviewed loan files for accuracy, completeness and guideline adherence prior to final underwriting decisions.
- Reviewed credit reports, liabilities, collections, bankruptcies and foreclosures; performed preliminary and detailed income calculations.
- Reviewed asset documentation, resolved underwriting/audit findings and maintained accurate records in Encompass LOS.
- Coordinated with processors, closers and operations teams to meet closing deadlines, SLA, turn-time and quality benchmarks.
Education
MBA in Finance & Marketing – Apoorva MBA College
B.Sc in Computer Science – Nalanda Degree College
