Experience

Verity Global Solutions

• United States
• Outsourcing and Offshoring Consulting
• 100 - 200 Employee

• Underwriter

  • Sep 2020 - Jan 2023

  Mumbai, Maharashtra, India • Expertise in underwriting for US Residential Mortgage • Knowledge of FNMA and FHLMC documentations general guidelines/standards • Verifying the basis details for Subject property and Borrower as in Borrower Name, Property address, Borrowers’ SSN number, DOB etc. • Review and validate Income, Assets, Credit, Title report, Appraisal, Fraud Guard and other requirements • Can provide decision on the loan by assessing all 4 C’s of Underwriting



Firstsource

• India
• Outsourcing and Offshoring Consulting
• 700 & Above Employee

• Underwriter

  • Nov 2019 - Sep 2020

  Mumbai, Maharashtra, India Expertise in underwriting for US Residential Mortgage Have knowledge on 4c of Underwriting (Credit, Capacity, Collateral and Cash) Underwriting. Have Knowledge on Calculation of Weekly, Hourly, Weekly, Semi Weekly and Bi-weekly calculation of income. From credit & income and collateral underwriting to sourcing borrowers to the Quality of analysis, risk profiling, risk assessment and the final quality of the servicing mortgage.



Ocwen Financial Corporation - US

• United States
• Financial Services
• 700 & Above Employee

• Modification underwriter

  • Mar 2014 - Sep 2019

  Mumbai, Maharashtra, India Auditing HAMP (Home Affordable Mortgage program) loan application processed by underwriting team from 3 sites, Mumbai, Pune and Bangalore. Accurately perform reviews based on the defined sample size for each QA program. Provide management with timely reports documenting observations from reviews. Ensure feedback provided to agents are clear and concise. Identify process opportunities and report out potential gaps in the process. Make recommendations to help reduce process… Show more Auditing HAMP (Home Affordable Mortgage program) loan application processed by underwriting team from 3 sites, Mumbai, Pune and Bangalore. Accurately perform reviews based on the defined sample size for each QA program. Provide management with timely reports documenting observations from reviews. Ensure feedback provided to agents are clear and concise. Identify process opportunities and report out potential gaps in the process. Make recommendations to help reduce process variation and eliminate errors. Participate in the calibration sessions every month. Assist in implementing changes or modifications to the Quality Assurance department's evaluation process. Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Customer Service Representative

  • Nov 2006 - Jan 2014

  Mumbai, Maharashtra, India Handling calls for classic and gold credit card holders &solving their queries with regards to credit card. Cross sell, Personal loan, Cash on EMI and Balance transfer wherever opportunity permits As a senior of the team constant effort was put in from my side for team motivation and ensuring that the new joiners were kept informed about all recent updates. Assisted my line manager in administrative requirements of the team. Senior service advisor (helpdesk) Handling high level… Show more Handling calls for classic and gold credit card holders &solving their queries with regards to credit card. Cross sell, Personal loan, Cash on EMI and Balance transfer wherever opportunity permits As a senior of the team constant effort was put in from my side for team motivation and ensuring that the new joiners were kept informed about all recent updates. Assisted my line manager in administrative requirements of the team. Senior service advisor (helpdesk) Handling high level customer complaints, escalations and queries for the floor. Generating revenue by saving customers at anti attrition desk who wish to cancel their credit card relationship. Handling complicated and high-risk HUB, internet and visa bill pay maintenance. Global premier certified to handling premier calls and complaints. Designation-Complaint officer: Responsibilities: Providing quick resolution by analysing the nature of complaint initiated by customer. Identifying the root cause of the error and highlighting the same to the business to avoid monetary and quality loss. Liaising with backend operations (disputes, frauds, admin etc) to ensure that customers query is resolved. Calling customers to advice of query progress and resolutions. Cross selling. Show less