Senior Underwriter/Quality Analyst at Mphasis (2022-03 – Present)
- Trade with real estate projects (mortgage)
- Reviewing the details of individuals property
- Live underwriting, Pre-Underwriting and Loan modification for the customers property (DTI calculation)
- Conduct training session and tests to enhance the process knowledge
- Audited loans of Underwriters as Quality checker, this position is been offered by management based on achieving 100% quality consecutively for 6 months
- SPOC for maintaining daily Productivity Data and furnishing the same to the senior Manager
- Conducting team meeting and sharing updates on daily basis
- Conducting client call for the process related queries and creating MOM
- Monitoring and Keeping Track of Volume workflow 'queues' and allocating the same to the Team members
- Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
- Involved in loan origination, loan processing, reviewing conditions
- Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting Fannie Mae and Freddie Mac
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process
- Analyze mortgage file, evaluate borrower's financials, manually calculating rate of pay, review bank statements, tax returns and performing loan by Fannie Mae, Freddie Mac, Investor and Industry guidelines keeping in compliance with all company policy and procedures
- Determine the value of each property by means of property reports, appraisals
- Review credit report fraud report to determine customers credit worthiness, gather pertinent information to make a sound financial decision
- Responsible for ordering appraisals, title commitments, homeowner's insurance, flood insurance, credit reports, verification of employment and deposits, etc
- Submit loan for approval once all conditions had been met
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Senior Underwriter at Wipro Ltd (2020-06 – 2021-06)
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Senior Process Associate at TATA Consultancy Services (2015-03 – 2019-11)
