Sandeep H k

A hard working representative who performs and delegates all multiple duties in a respectful and professional manner. Apart from my ability to effectively lead a team, I will motivate myself to do better, make sound decisions and work with managers and staff at all levels of responsibility.

Underwriter – SME - Visionet Systems Private Limited

(2020-05)

• Evaluate loan risk through verification of loan application information
• Verify application information against loan criteria guidelines and standards
• Verify the income and assets of the borrower by reviewing the relevant documents like pay stubs, tax returns, social security benefit statements, bank statements, rental agreements, child support docs etc
• Calculate Debt to Income based on the financial
• Make Underwriting Decision based on the Financial Analysis, Credit Analysis, Collateral Analysis, Underwriting Guidelines

Senior Banking Representative - Concentrix Daksh

(2018-07 - 2020-04)

Job Profile – Underwriting

• Verifying Customer's Income and credit worthiness, Liabilities and Expenses
• Scrutinize the Bank statements for Undisclosed Liabilities and expenses and Income as well
• Verifying the Customer's Requirement & Objectives (R&O)
• Calculating different types of income based on the provided documents as per Bank policy
• Calculating the Serviceability for the Customer based on their income, expense and liabilities as well
• Investigate about the late repayments and Default payments

Team Co-Ordinator - Flatworld Solutions

(2012-11 - 2018-07)

As a mortgage lending professional, the Mortgage Loan Closer is responsible for the preparation of closing instructions, Auditing files and performing company procedures required to close and fund residential mortgage loans in accordance with company and investor policies and requirements.

• Allocating daily jobs and workloads
• Training new team members
• Acting as a resource for other staff members
• Managing team performance and progress
• Constantly looking for ways to improve processes
• Monitoring the performance of junior staff
• Implementing new initiatives and making sure all staff understand them
• Taking action to correct and staff shortcomings
• Managing and monitoring staff attendance

Team Member, Loan Closer - SLK Global BPO SERVICES PVT LTD

(2012-01 - 2012-10)

As a mortgage lending professional, the Mortgage Loan Closer is responsible for the preparation of closing instructions, Auditing files and performing company procedures required to close and fund residential mortgage loans in accordance with company and investor policies and requirements.

MBA - Finance and Banking - Karnataka State Open University (2014)

Bachelor of Commerce - Sarvodaya 1st grade College Bangalore University (2011)