Vijay Kumar

US Mortgage professional with 1.8+ years of hands-on experience in Residential Mortgage Underwriting, End-to-End Live Underwriting and Loan Origination/Pre-Underwriting. Experienced in reviewing conventional mortgage loans based on Fannie Mae and Freddie Mac guidelines and analyzing the 4C’s like Credit, Capacity, Capital and Collateral. Experienced in reviewing Credit Reports, AUS Findings, Paystubs, W-2s, 1040 Tax Returns, Tax Transcripts, VOE/WVOE/VVOE, Bank Statements, Gift Letters, Appraisals, Purchase Contracts, Title, Flood Certification, HOA.

Proficient in Encompass, DU, LP and LOS with strong attention to detail, risk identification, documentation review and condition management.

US Mortgage Analyst - APPGO SOLUTIONS PVT. LTD.

(2025-01 - 2026-09)

• Performed end-to-end live underwriting and pre-underwriting of US residential mortgage loans in accordance with Fannie Mae and Freddie Mac Conventional underwriting guidelines, investor requirements, and company policies.
• Evaluated borrower eligibility and overall loan risk using the 4Cs – Credit, Capacity, Capital, and Collateral, while reviewing and cross-verifying the 1003/URLA against supporting loan documentation.
• Credit Analysis: Reviewed Tri-Merge Credit Reports, Credit Supplements, Mortgage Statements, Credit History, Tradelines, Liabilities, and Payment Obligations; analyzed discrepancies and evaluated borrower creditworthiness.
• AUS & Eligibility: Reviewed Desktop Underwriter (DU) and Loan Product Advisor (LP) Findings to assess loan eligibility, risk factors, required documentation, and underwriting conditions.
• Income & Capacity Analysis: Analyzed qualifying income and employment using Paystubs, W-2s, 1040 Tax Returns, Tax Transcripts, VOE, WVOE, VVOE, Pension Income, and Award Letters, including cross-verification with the 1003/URLA and supporting documents.
• DTI & Liability Analysis: Reviewed borrower monthly liabilities and housing expenses, validated qualifying income, and performed Debt-to-Income (DTI) analysis to determine repayment capacity.
• Asset & Capital Analysis: Reviewed Bank Statements, 401(k)/IRA Statements, VOD, Checks, and Gift Letters to verify funds available for down payment, closing costs, and reserves.
• Analyzed Large Deposits, Unusual Transactions, Source-of-Funds documentation, and Gift Funds to validate asset eligibility and compliance with applicable underwriting requirements.
• Collateral Analysis: Reviewed Appraisal Reports for property value, property condition, comparable properties, and appraisal requirements; performed LTV/CLTV analysis and cross-verified property information with loan and transaction documents.
• Reviewed Purchase Contracts, Amendments, Short Sale Approval Letters, Title Commitment, Mortgage, Hazard Insurance, and Flood Certification to validate property, title, insurance, and transaction requirements.
• Identified and escalated credit, income, asset, collateral, documentation, and eligibility risks, including missing or inconsistent information, and supported resolution through appropriate documentation and underwriting review.
• Reviewed and validated key mortgage documents including 1003/URLA, 1008, AUS Findings, Note, Deed of Trust, Mortgage, Title Commitment, Appraisal, Flood Certification, Hazard Insurance, VOD and Purchase Contract.
• Performed document stacking, indexing and loan data verification within the Loan Origination System.
• Cross-checked information across multiple documents to identify inconsistencies, missing information and documentation gaps.
• Reviewed underwriting conditions and supporting documentation for completeness and accuracy.
• Assisted in condition clearing by validating required documents and updated information.
• Supported final file review and completion activities before moving loans to the next milestone.
• Identified potential credit, income, asset, collateral and documentation risks and escalated complex scenarios to senior underwriting/management teams.
• Maintained accuracy and quality while meeting established productivity, quality and turnaround-time requirements.

Bachelor of Technology (B. Tech) - Electrical & Electronics Engineering - JNTUA University