Nidhi Gupta

Results-driven professional with 6+ years of experience in customer-centric marketing, sales, and the mortgage industry. Proven track record of optimizing processes, improving productivity, and driving business outcomes in fast-paced environments. Recognized for strong ownership, problem-solving abilities, and a proactive approach to implementing solutions.

Adept at mentoring teams, supporting business planning, and managing risk and audit processes. A collaborative team player with excellent interpersonal, organizational, and time management skills. Recipient of the prestigious President's Club Award, demonstrating consistent high performance and commitment to excellence.

LOAN UNDERWRITER- HOME EQUITY LOANS AND LINES OF CREDIT - TD BANK N.A

(2022-05 - 2025-03)

• Perform loan underwriting for Home Equity real estate loans and lines in compliance with bank policies and procedures.
• Experienced in working fast paced environment with goals and managing a pipeline of 75-80 loans, which includes Upfront and conditions reviews.
• Approve loans, issue Counter offers or adverse action accordingly using sound judgement while applying bank policies and procedures.
• Highly proficient in using Encompass 360 loan operating system.
• Validate data entry in Encompass loan operating system and evaluates all applicable documentation as required by job function.
• Review all types of income such as Wage earner, Social Security, Pension, Rental, Self-employment- which includes tax returns, P&L and Balance sheets.
• Perform thorough analysis of the loan file to determine borrower credit worthiness and collateral value. Review legal document as applicable.
• Review Appraisal reports, Homeowners Insurance policies, Title reports to ensure all meet the bank guidelines.
• Maintain a working knowledge of underwriting guidelines. Actively look for exceptions within delegated authority. Present exceptions and recommendations to management as needed.
• Determine the valid liens in correct recording position can be obtained by analyzing title examination and public record reports. Always ensure that corrective action is taken when factors that weaken TD Bank's collateral position are identified.
• Participate in the development of the policy changes, program implementation and procedural improvements.
• Maintain a great relationship with Sales, Management and Operations teams by answering any questions they have or discuss complex income calculations.
• Respond to post closing review, QA team and audits in a timely manner.
• Coach and mentor assigned operations staff, assists with training and guidance as needed.
• Train Junior loan processors.
• Proficient in Loan Operating system.
• Ability to handle high work volumes while holding a per month.
• Provide training and guidance to processors about products, systems, processing procedures, customer experience and problem resolution.
• Review the work of new/junior processors to improve their process and productivity.
• Loan file assignments and team pipeline load balancing.
• Find innovative methods to increase the accuracy, timeliness, and efficiency of individual loan processors and the loan processing team.

SR. LOAN PROCESSOR/JR.UNDERWRITER- WEALTH DIVISON- MEDPRO/ CONSTRUCTION - TD BANK N.A

(2021-05 - 2022-05)

• Train Junior loan processors.
• Proficient in Encompass Loan Operating system.
• Ability to handle high work volumes while holding a pipeline of 55 60 loans per month.
• Provide training and guidance to processors about products, systems, processing procedures, customer experience and problem resolution.
• Review the work of new/junior processors to improve their process and productivity.
• Loan file assignments and team pipeline load balancing.
• Find innovative methods to increase the accuracy, timeliness, and efficiency of individual loan processors and the loan processing team.
• Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans.
• Review Construction related documents to ensure they meet the guidelines i.e., Construction Contract/Purchase Agreement, Cost worksheet/Budget, Plans and Specs.
• Request and review required supporting documentation within required time frames including lock expiration, credit checks, title reports, appraisals, tax returns, verification of employment, assets, etc.
• Analyze borrower's loan to value ratio, debt to income ratio, credit report, 1003 application, income and assets, source of down payment funds, and examine all supporting documentation to identify potential fraud or misrepresentation.
• Update and verify accuracy of data input into electronic system.
• Communicates effectively and engages proactively with Mortgage Loan Officers, Processors, Managers, Post Closers, and Funders regarding loan decisions, assignment of loan conditions, investor guidelines/ documentation requirements.
• Build and provide feedback to the sales leadership team on the quality of files that are submitted to the loan processing team.
• Manage high volume of pipeline (around 65-75 loans) and ensure their timely processing.
• Review new loan submission within 24 hours of receipt.
• Extremely strong with loan origination system.
• Collect and verify all documentation such as income, credit, assets, appraisals, title, liabilities, and collateral, etc. required for loan submission and compliance as per agency guideline.
• Demonstrated solid proficiency for processing government, conforming and non-conforming loans.
• Evaluate credit worthiness of borrowers for FHA, USDA, VA and Conventional loan programs.
• Calculate income and review loan application for compliance with RESPA, TIL, HMDA, Reg B, etc. Run after application is reviewed for correctness/ completeness.
• Work with various companies/third parties to obtain Pay Offs, Mortgage clause update on insurance policies, Title commitment, Flood certificate, Property report and Verbal-Written Verification of Employment (VVOE).

SR. LOAN PROCESSOR/JR. UNDERWRITER - RADIAN GROUP INC

(2021-01 - 2021-05)

• Manage high volume of pipeline (around 65-75 loans) and ensure their timely processing.
• Review new loan submission within 24 hours of receipt.
• Extremely strong with Encompass loan origination system.
• Review the work of new/junior processors to improve their process and productivity.
• Collect and verify all documentation such as income, credit, assets, appraisals, title, liabilities, and collateral, etc. required for loan submission and compliance as per agency guideline.
• Demonstrated solid proficiency for processing government, conforming and non-conforming loans.
• Evaluate credit worthiness of borrowers for FHA, USDA, VA and Conventional loan programs.
• Calculate income and review loan application for compliance with RESPA, TIL, HMDA, Reg B, etc. Run Automated Underwriting System after application is reviewed for correctness/ completeness.
• Work with various companies/third parties to obtain Pay Offs, Mortgage clause update on insurance policies, Title commitment, Flood certificate, Property report and Verbal-Written Verification of Employment (VVOE).
• Pre-underwrite loan files by reading appraisals, AUS findings, Title and Credit Report.
• Driven by exceptional customer service skills, strive to provide high level of customer satisfaction and service by maintaining consistent communication and guiding them throughout the process.
• Request and schedule closing with title companies and borrowers, order mortgage insurance certificates and perform post-closing call to assure customer satisfaction.
• Order appraisal and title reports and maintains communication with appraisers and title companies to ensure that all appraisal reports and titles are timely received.
• Review new loan submission from Loan officer within 24 hours of receipt.
• Train/Coach Junior Loan Processors.
• Perform a thorough analysis of borrower's credit, employment, income, assets as required before submitting to underwriting.
• Review loan files for compliance with mortgage related regulations (RESPA, TIL, HMDA, REG B).
• Communicate with various companies to obtain Property survey, Flood certificate, Title commitment, and Pay-Off information.
• Order and receive VOD's, VOE's, appraisal, title, etc. as appropriate.
• Input final information as validated in and rerun AUS, as applicable, for final loan submission to underwriting.
• Submit complete files to underwriting based on Investor and/or AUS requirements. Clear any condition that require communication to the title companies, appraiser, employers, surveyors etc.
• Coordinate submitted file to underwriting & closing to meet file expectations.
• Communicate loan approval from underwriting and place detailed comments in conversation log every time a file is handled.
• Act as a main point of contact for the borrowers and keep them posted on every step of the loan.

SR. LOAN PROCESSING PROCESSOR/ANALYST - UNION BANK

(2017-11 - 2021-01)

• Review new loan submission from Loan officer within 24 hours of receipt.
• Train/Coach Junior Loan Processors.
• Perform a thorough analysis of borrower's credit, employment, income, assets as required before submitting to underwriting.
• Review loan files for compliance with mortgage related regulations (RESPA, TIL, HMDA, REG B).
• Communicate with various companies to obtain Property survey, Flood certificate, Title commitment, and Pay-Off information.
• Order and receive VOD's, VOE's, appraisal, title, etc. as appropriate.
• Input final information as validated in Encompass and rerun AUS, as applicable, for final loan submission to underwriting.
• Submit complete files to underwriting based on Investor and/or AUS requirements. Clear any condition that require communication to the title companies, appraiser, employers, surveyors etc.
• Coordinate submitted file to underwriting & closing to meet file expectations.
• Communicate loan approval from underwriting and place detailed comments in conversation log every time a file is handled.
• Act as a main point of contact for the borrowers and keep them posted on every step of the loan.

SR. FINANCIAL SOLUTION CONSULTANT - FIRST TECH CREDIT UNION

(2014-07 - 2017-10)

Master of Arts