Associate Team Lead / Pre Underwriting
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Career growth in the area of banking, finance, accounting and tax. Aspiring to build a profession in finance with an organization that enhance my skills and knowledge and which value my hard work and trusts.
Associate Team Lead / Pre Underwriting - 3N Performance
(2022-04 - 2026-06)
Reviewing 4c– Pre-Underwriting. Capacity - Reviewing all types of income docs paystubs, W2, WVOE, Social security income, pension, child support, self employed income, rental income etc. Credit - Reviewing credit report, various account and it's payment history.
Capital - Reviewing all types of asset statement like bank statement, IRA account, 401k account, verifying large deposit. Collateral - Reviewing purchase contract, Title report, HOI, Flood cert, fraud report. Ensuring all the third party documents are requested prior to submission.
Collaborate with internal and external teams to facilitate transparent communication and accurate reporting on regulation update and compliance issues. Reviewing over all loan for qualification. Working on final approval of loan reviewing collateral docs and working on conditions prior to final approval of loan.
Additionally having experience on sending initial disclosure of loan. Updating title fees, reviewing 1003, preparing Loan estimate prior to disclosing of loan.
Mortgage Operational Analyst - OPX-AMERICA
(2024-05 - 2025-01)
Working on final approval of loan with different client simultaneously including working on final approval of loan, different loan type like Conventional, FHA and VA, with property type as SFR, PUD, Condominium and Manufacturing Home. Checking and Verifying all the important documents (Title/Prelim package, HOI, appraisal, purchase contract, tax cert, Fee sheet, etc.) to assure the approval of loan. Reviewing the overall 4c, working, clearing UW conditions prior to approval of loan.
That includes review title report, CPL, wiring instructions, Tax sheet HOI, Lock, appraisal etc. Reviewing tax documents and updating tax amount. Updating HOI amount. Verifying factors affecting PITIA of loan for qualification.
Work with Management to implement process improvements, like completing within the given TAT time and increase work efficiency with high production. Maintaining the regular important areas. Liaise with Internal/external team to provide exception management reporting.
Set-up (Transaction Coordinator): Ordering Title package, HOI, WVOE, Appraisal, condo docs. Updating file contact once documents received. Complete loan set up. Worked as TC for CA branch, where we deal with specific
M.Com - Finance and Accounting - Ramadevi women's University BHUBANESWAR (2019 - 2021)
B.com - Accounting - BJB Autonomous College, Under Utkal University (2013 - 2016)
