Devender Kumar Email & Phone Number

Delhi, India

- Conventional and Non-QM Underwriting : - Underwriting of Non-QM loans (DTI-Full Doc, Bank statement calculation, DSCR calculation, Asset utilization) pertaining to investor Guidelines + Matrix. - Underwriting of Conventional and also, worked on FHA loans for a short period.- Expertise in reviewing P&L, Balance sheet and Tax return.

Noida, Uttar Pradesh, India

US residential mortgage underwriter (DU, LP and Manual Underwriting). Further, well familiar with Fannie Mae & Freddie Mac guidelines, Loan Cycle.Performed Live end to end Underwriting till issuing CTC. Expertise in 4C's of Underwriting (Credit, Capacity, Capital & Collateral).Expertise in all type of income (W2, Self employed, Other income & Asset amortization).Expertise in reviewing appraisal of all type of properties (1-4 unit, Multi unit property along with condo and PUD properties). Also, well familiar with all condo docs (Condo questionnaire & Condo budget).

New Delhi, Delhi, India

Analyzing and validating the all Legal documentation (Mortgage documentation, Court documentation, Foreclosure documentation and Bankruptcy documentation), Creating database for client after ensuring all requirements are met pertaining to client and investor requirements.Responsibilities includes Managing quality report, feedback report & database management and well familiar with guidelines and docs of all states across US.