Prajyot

Results-driven Mortgage Professional with 5 years of experience in Document verification, Loan Processing, Loan Origination, and credit analysis. Expertise in evaluating borrower profiles, calculating income, and ensuring compliance with FHA, VA, and Conventional loan guidelines. Proficient in AIQ, ADR, ADE and Power BI for data analysis and reporting. Strong ability to manage high-volume workflows while maintaining accuracy and meeting deadlines.

Senior Delivery Associate - Mortgage at ICE Mortgage Technology (2020-09 – 2025-09)

• Verified and reviewed mortgage loan documents to ensure data accuracy and compliance with underwriting guidelines
• Analyzed borrower profiles including income, credit, assets, and employment history
• Calculated income for salaried borrowers following standard mortgage guidelines
• Evaluated credit reports and applied 4Cs (Capacity, Capital, Collateral, Credit) for risk assessment
• Computed DTI and LTV ratios to determine loan eligibility
• Reviewed key documents including W-2s, tax returns, pay stubs, and bank statements
• Assessed property-related documents such as appraisal reports, title policies, and insurance
• Identified discrepancies, raised conditions, and ensured proper documentation
• Processed FHA and VA loans in compliance with regulatory requirements
• Verified borrower assets for closing readiness

Associate Group Leader at MDINDIA: Best TPA For Health Insurance In India (2025-09 – 2026-05)

• Supported leadership team with reporting, data analysis, and business presentations to support divisional strategy and decision-making
• Prepared and maintained MIS reports in Excel using Pivot Tables, VLOOKUP, and advanced formulas for accurate data analysis and reporting
• Coordinated with insurance companies to resolve pending approvals, including CPS approvals, delay condonation approvals, and claim re-opening approvals
• Collaborated with internal departments to review pending claims, resolve operational issues, and ensure timely claim processing

B.A in Economics – Savitribai Phule Pune University

M.B.A in Business Analytics – Savitribai Phule Pune University