Mohan Chippa

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.

Senior Analyst – Mortgage Loan Underwriting - Société Générale - Bangalore

(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 - TMF Services India Pvt Ltd - Bangalore

(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 - Core Front Technologies - Bengaluru

(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 - WNS Global Services Pvt Ltd - Hyderabad

(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.

MBA - Finance & Marketing - Apoorva MBA College

B.Sc. - Computer Science - Nalanda Degree College