Saravana Kumar

Accomplished Senior Mortgage Underwriter with 19+ years of experience in US Residential Mortgage underwriting, loan origination, post-closing, quality control and title review. Expertise in underwriting Conventional, FHA and VA loans while ensuring compliance with Fannie Mae and Freddie Mac guidelines. Proven ability to analyze complex income, assets, credit, collateral and risk, delivering accurate lending decisions with high quality standards.

Senior Underwriter - SitusAMC India Pvt. Ltd.

(2022-01 - 2025-05)

• Reviewed income, assets, credit, appraisal and title documents.
• Applied Fannie Mae/Freddie Mac guidelines for underwriting decisions.
• Performed quality review, condition clearing and risk assessment.

Senior Underwriter - Ascendum Pvt. Ltd.

• Reviewed income, assets, credit, appraisal and title documents.
• Applied Fannie Mae/Freddie Mac guidelines for underwriting decisions.
• Performed quality review, condition clearing and risk assessment.

Senior Executive - Assimilate Solutions India Pvt. Ltd.

(2014-06 - 2018-02)

• Reviewed income, assets, credit, appraisal and title documents.
• Applied Fannie Mae/Freddie Mac guidelines for underwriting decisions.
• Performed quality review, condition clearing and risk assessment.

Senior Analyst - ISGN Novasoft Technologies

(2011-11 - 2013-11)

• Reviewed income, assets, credit, appraisal and title documents.
• Applied Fannie Mae/Freddie Mac guidelines for underwriting decisions.
• Performed quality review, condition clearing and risk assessment.

Sr. Process Executive - American Home Mortgage Servicing India Pvt. Ltd.

(2008-07 - 2011-11)

• Reviewed income, assets, credit, appraisal and title documents.
• Applied Fannie Mae/Freddie Mac guidelines for underwriting decisions.
• Performed quality review, condition clearing and risk assessment.

Process Associate - Equinox / Fiserv Lending Solutions

(2006-04 - 2008-07)

• Reviewed income, assets, credit, appraisal and title documents.
• Applied Fannie Mae/Freddie Mac guidelines for underwriting decisions.
• Performed quality review, condition clearing and risk assessment.

Bachelor of Arts - Delhi University

Advanced Diploma - Software Application & Programming

Class XII - CBSE