- Conduct in-depth gap analysis between old and new LoS: This will highlight all the gaps and potential issues that can impact the business process.- Requirement Gathering - Engaging with IT, Operations, and Business Teams to gather the requirements for the new system and ensuring that all functional aspects required are captured.- Process Optimization - There are a number of processes available for optimization during the transformation process working more towards automation opportunities and operational efficiency.- System Configuration - Support the configuration of the new LoS so it is tailored to meet business needs and ensures compliance requirement.- Data Migration Strategy - Identify and design a data migration plan in order to ensure the best ways the data will be migrated from the old LoS to the new system.- Testing and Validation- Conduct all kinds of testing activities, including UAT, to check whether the new LoS meets business requirements and works as expected or not.- Training & Support - Provide training and support to the end-users so that they have an easy transition and effective adoption.- Documentation - Generate complete documentation of the process, configurations, and other variations done during the transition for future reference purposes and audit- Risk Mitigation - Develop the list of risks that arise in the transition and coordinate with the IT & Ops teams in order to mitigate those risks.- Communication with Stakeholders - Being an IT/Operations/business stakeholder liaison, ensuring good communication and progress updates all through the transition process.

•Providing business logic to IT team, helping underwriting automation•Performing User Acceptance Testing.• Collaborating with IT and business teams.• Optimizing underwriting procedures.• Utilizing data analysis for decision-making.• Training and supporting team members.• Maintaining comprehensive documentation.• Identifying and mitigating risks.• Analyzing risk for mortgage applications, ensuring compliance.• Staying updated on industry trends.• Helping in Onboarding New Clients.• Stakeholder management

Responsible for all lending functions, which include Underwriting QC, Taxes, funding, processing and closing.•Team handling -Responsible for maintaining Productivity and Quality for the entire team.•Developing job-aids & training material,•Analyzing impact of ratio on Loan file(LTV, DTI, Debt to cash) and auditing Loan related ratio.•Underwrite files pre close and post close for underwriting errors, missing or incomplete documentation and fraud.•Conventional, FHA, VA and USDA.•Audit mortgage loan files for compliance with investor and federal guidelines.•Do quarterly reporting to senior management.•Regulatory Reporting •Data Analytics •Hiring & Training new team members. •Quality check for Final Closing Docs and setting payments.•Requesting PCCD & Trailing docs if required.•Manage client relationship by ensuring data quality, evaluate team performance, resolve issues and provide suggestions on implementation plans.•Oversee mortgage QC processes by coordinating day-to-day interactions with the team, reviewing engagement work product, driving delivery of services to meet deadlines for client deliverables, developing internal team members, and managing the functional efforts.

Credit review, Calculating income for individuals and businesses from U.S. tax return documents, Verifying Assets, Assessing the Collateral risk and Assuring the loan originated in compliance with U.S. government agency and lender guidelines.

• Responsible and manage underwriting, Analyse credit, income and assets, assess individual risk, and promptly provide underwriting decisions to Mortgage Originators.• Data Analytics • UAT• RoadMaps• Underwrite loan files to agency and investor guidelines, including but not limited to portfolio products. • Review property documentation including title commitments, sales contracts, insurance, and other required documents. • Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection and resolution of mortgage fraud • Review and analyse appraisals for value and compliance in accordance with industry requirements • Demonstrate the ability to independently make sound decisions based on the credit worthiness of the applicants based on established underwriting guidelines, Bank policies, procedures, knowledge and experience • Finding the correction in the file and working on compliance. • Review loan files for completeness and accuracy including but not limited to application and closing package, disclosures and their timelines, compliance reports.¢ Develop, document, and gain cross functional alignment on processes to support clients and internal teams.• Analyzing the property value for the buyer & Seller by doing comparable property analysis. • Preparing reports based on research through various documents regarding feasibility of property according to Market standards. • Finalizing the rental income of the property using different third-party resources and MLS Data. • Updating the market trends and implementing the same in the property analysis.

•Verify usage of correct Mortgage, Final CD and Note.• Review Final Closing Package. (IEADS, CD, NOTE, DEED, Final 1003, Payment Letter etc.)•Offer booking profile to Servicing Department to board loan on Core banking system.•Check completed loan documents for quality control and follow-up.•Supervise escrow funds daily allocation to payees.•Validate information on each check.•Develop and send mortgage documents to record.•Comply documentation with specific investor requirements.•Ship closed loan files to investors and notes to warehouse banks.•Create and sort closed loan files.•Check closed loans by familiarizing with loan transactions.•Ensure closing file compliance with internal requirements.•Follow up with closers and attorneys on missing documentation.• Update collateral checklist.•Update in-house software with additional documentation.•Handle Post Loan Closing searches to confirm liens and create filing tickler system.