Sr Underwriter

• May 2022 - Present

Job Highlights: • Review Purchase & Refinance Mortgage applications for Primary, Investment and Second Home residences as per Fannie Mae (DU) & Freddie Mac (LP) AUS’s and Government (FHA) as per respective guidelines • Perform data evaluation on information retrieved from loan applications. • Evaluate loan application based upon 4 C’s – Credit, Capacity, Capital and Collateral. • Calculate LTV (Loan to Value), CLTV (Combined loan-to-value), HCLTV (High Combined Loan to Value), HTI… Show more Job Highlights: • Review Purchase & Refinance Mortgage applications for Primary, Investment and Second Home residences as per Fannie Mae (DU) & Freddie Mac (LP) AUS’s and Government (FHA) as per respective guidelines • Perform data evaluation on information retrieved from loan applications. • Evaluate loan application based upon 4 C’s – Credit, Capacity, Capital and Collateral. • Calculate LTV (Loan to Value), CLTV (Combined loan-to-value), HCLTV (High Combined Loan to Value), HTI (Housing to income) and DTI (Debt to Income). • Depth knowledge of Appraisal, Title, Credit report, Bank statements, Paystubs, WVOE’s and Profit & Loss documents. • Evaluate the risk involved in approving a loan and checking if it is acceptable as per lender / investor guide • Reviewing loan and add conditions for any gap or missing documents • Verify all the provided information with supporting documents and do online search if required (Ex. Employment search or property search on Google). • Check for additional documents per loan product like PMI (private mortgage insurance) or MI (mortgage insurance) • Maintain TAT, Accuracy of file, and Service level Standards • Prepare reports detailing risk assessment findings and other data that contribute to lending decisions • Coordinate with other teams for required information and connect with team members to produce the finest level of output • Request additional information from Loan Officers when applicable • Render application decisions based on consultations with supervisory underwriter and upper management • Respond to all emails on time and take follow up if required Show less Job Highlights: • Review Purchase & Refinance Mortgage applications for Primary, Investment and Second Home residences as per Fannie Mae (DU) & Freddie Mac (LP) AUS’s and Government (FHA) as per respective guidelines • Perform data evaluation on information retrieved from loan applications. • Evaluate loan application based upon 4 C’s – Credit, Capacity, Capital and Collateral. • Calculate LTV (Loan to Value), CLTV (Combined loan-to-value), HCLTV (High Combined Loan to Value), HTI… Show more Job Highlights: • Review Purchase & Refinance Mortgage applications for Primary, Investment and Second Home residences as per Fannie Mae (DU) & Freddie Mac (LP) AUS’s and Government (FHA) as per respective guidelines • Perform data evaluation on information retrieved from loan applications. • Evaluate loan application based upon 4 C’s – Credit, Capacity, Capital and Collateral. • Calculate LTV (Loan to Value), CLTV (Combined loan-to-value), HCLTV (High Combined Loan to Value), HTI (Housing to income) and DTI (Debt to Income). • Depth knowledge of Appraisal, Title, Credit report, Bank statements, Paystubs, WVOE’s and Profit & Loss documents. • Evaluate the risk involved in approving a loan and checking if it is acceptable as per lender / investor guide • Reviewing loan and add conditions for any gap or missing documents • Verify all the provided information with supporting documents and do online search if required (Ex. Employment search or property search on Google). • Check for additional documents per loan product like PMI (private mortgage insurance) or MI (mortgage insurance) • Maintain TAT, Accuracy of file, and Service level Standards • Prepare reports detailing risk assessment findings and other data that contribute to lending decisions • Coordinate with other teams for required information and connect with team members to produce the finest level of output • Request additional information from Loan Officers when applicable • Render application decisions based on consultations with supervisory underwriter and upper management • Respond to all emails on time and take follow up if required Show less

Sr Underwriter

• Nov 2021 - May 2022

Sr Underwriter

• Sep 2020 - Nov 2021

Assistant Manager

• Aug 2019 - Sep 2020

Job Highlights: • Lead the pan India Operations for Motor Insurance Policy issuance team. • Worked on recruitment for policy issuance executives • Worked with ~30+ General Insurance companies, & ~150+ Insurance Brokers & associated with company to ease out policy issuance process • Reduced legacy policy issuance TAT from ~45 minutes to ~15 minutes • Developed in-house vehicle inspection support team • Worked with ~30+ General Insurance companies in order to implement periodic… Show more Job Highlights: • Lead the pan India Operations for Motor Insurance Policy issuance team. • Worked on recruitment for policy issuance executives • Worked with ~30+ General Insurance companies, & ~150+ Insurance Brokers & associated with company to ease out policy issuance process • Reduced legacy policy issuance TAT from ~45 minutes to ~15 minutes • Developed in-house vehicle inspection support team • Worked with ~30+ General Insurance companies in order to implement periodic changes in premiums of products and commission associated with the same in order to ease out the payout process for brokers associated with the company Show less Job Highlights: • Lead the pan India Operations for Motor Insurance Policy issuance team. • Worked on recruitment for policy issuance executives • Worked with ~30+ General Insurance companies, & ~150+ Insurance Brokers & associated with company to ease out policy issuance process • Reduced legacy policy issuance TAT from ~45 minutes to ~15 minutes • Developed in-house vehicle inspection support team • Worked with ~30+ General Insurance companies in order to implement periodic… Show more Job Highlights: • Lead the pan India Operations for Motor Insurance Policy issuance team. • Worked on recruitment for policy issuance executives • Worked with ~30+ General Insurance companies, & ~150+ Insurance Brokers & associated with company to ease out policy issuance process • Reduced legacy policy issuance TAT from ~45 minutes to ~15 minutes • Developed in-house vehicle inspection support team • Worked with ~30+ General Insurance companies in order to implement periodic changes in premiums of products and commission associated with the same in order to ease out the payout process for brokers associated with the company Show less

Assistant Manager

• Mar 2018 - Aug 2019

Job Highlights: • Accountable for leading Motor Insurance Sales & Customer Service Operations. • Driving P&L, reporting to Sr Manager • Set up one of the first Digital General Insurance Company in India. • Assisted with policy & strategic inputs for a general insurance start-up with an ‘InsureTech’ Focus • Led development of resources for future leadership within the organization • Promoted a culture reflective of organization’s values, encourage good performance, and reward… Show more Job Highlights: • Accountable for leading Motor Insurance Sales & Customer Service Operations. • Driving P&L, reporting to Sr Manager • Set up one of the first Digital General Insurance Company in India. • Assisted with policy & strategic inputs for a general insurance start-up with an ‘InsureTech’ Focus • Led development of resources for future leadership within the organization • Promoted a culture reflective of organization’s values, encourage good performance, and reward productivity Show less Job Highlights: • Accountable for leading Motor Insurance Sales & Customer Service Operations. • Driving P&L, reporting to Sr Manager • Set up one of the first Digital General Insurance Company in India. • Assisted with policy & strategic inputs for a general insurance start-up with an ‘InsureTech’ Focus • Led development of resources for future leadership within the organization • Promoted a culture reflective of organization’s values, encourage good performance, and reward… Show more Job Highlights: • Accountable for leading Motor Insurance Sales & Customer Service Operations. • Driving P&L, reporting to Sr Manager • Set up one of the first Digital General Insurance Company in India. • Assisted with policy & strategic inputs for a general insurance start-up with an ‘InsureTech’ Focus • Led development of resources for future leadership within the organization • Promoted a culture reflective of organization’s values, encourage good performance, and reward productivity Show less

Senior Analyst

• Jan 2008 - Aug 2016

My Responsibilities Included: • Mortgage Modification SME (Subject Matter Expert) • Successfully coordinating with the Training Team for Process Updates • Coordinating with the Technical Team for Dialer Strategies for Outbound Calls • Managing a team of 8-12 individuals for US Mortgage Collections • Customer Service for Delinquent Accounts and Payment Plans for existing Mortgage Servicing Accounts. • Developed and implemented new B2C strategies to maximize prevention of… Show more My Responsibilities Included: • Mortgage Modification SME (Subject Matter Expert) • Successfully coordinating with the Training Team for Process Updates • Coordinating with the Technical Team for Dialer Strategies for Outbound Calls • Managing a team of 8-12 individuals for US Mortgage Collections • Customer Service for Delinquent Accounts and Payment Plans for existing Mortgage Servicing Accounts. • Developed and implemented new B2C strategies to maximize prevention of foreclosure accounts nationwide; financials on board grew by over 47% and delinquency reduced by 10% • Steered collection operations an Acting Team Lead for a department of 120+ employees • Worked on a portfolio over ~450 customer's in order to resolve foreclosure status by working out alternate Loss Mitigation plans like Modification, Short Sale, Deed in Lieu and Contested Foreclosure matters by being a Mediator between attorneys of both parties (Customer & Ocwen) Show less My Responsibilities Included: • Mortgage Modification SME (Subject Matter Expert) • Successfully coordinating with the Training Team for Process Updates • Coordinating with the Technical Team for Dialer Strategies for Outbound Calls • Managing a team of 8-12 individuals for US Mortgage Collections • Customer Service for Delinquent Accounts and Payment Plans for existing Mortgage Servicing Accounts. • Developed and implemented new B2C strategies to maximize prevention of… Show more My Responsibilities Included: • Mortgage Modification SME (Subject Matter Expert) • Successfully coordinating with the Training Team for Process Updates • Coordinating with the Technical Team for Dialer Strategies for Outbound Calls • Managing a team of 8-12 individuals for US Mortgage Collections • Customer Service for Delinquent Accounts and Payment Plans for existing Mortgage Servicing Accounts. • Developed and implemented new B2C strategies to maximize prevention of foreclosure accounts nationwide; financials on board grew by over 47% and delinquency reduced by 10% • Steered collection operations an Acting Team Lead for a department of 120+ employees • Worked on a portfolio over ~450 customer's in order to resolve foreclosure status by working out alternate Loss Mitigation plans like Modification, Short Sale, Deed in Lieu and Contested Foreclosure matters by being a Mediator between attorneys of both parties (Customer & Ocwen) Show less