• Conduct income analysis and validate security documents.• Responsible for detailed credit analysis which includes verifying and assessing an applicant’s current financial position, employment history, credit history, credit needs and the asset being offered as security.• Apply lending/credit policy, product and Mortgage guidelines, and a high level ofjudgments, in assessing applicant’s credit worthiness.• Analyzing Credit Worthiness of the Borrowers as… Show more • Conduct income analysis and validate security documents.• Responsible for detailed credit analysis which includes verifying and assessing an applicant’s current financial position, employment history, credit history, credit needs and the asset being offered as security.• Apply lending/credit policy, product and Mortgage guidelines, and a high level ofjudgments, in assessing applicant’s credit worthiness.• Analyzing Credit Worthiness of the Borrowers as per Lender guidelines.• Analyzing and Reviewing the CIA Documents.• CREDIT: Credit documents like Credit Report, Credit Supplements & MortgageStatements, etc.• INCOME: Income documents like Paystubs, Tax Returns/Tax Transcripts, VOE, WVOE, and Pension Income & Award letters etc.• ASSETS: Assets documents like Bank Statements, 401K/IRA Statements, Checks andGift Letters, etc.• Collateral: Reviewing Appraisal docum Show less

 Handling All Purchase and Refinance of Conventional, FHA, VA, and USDA Loans. Verifying the AUS Findings Freddie (LP Findings) and Fannie (DU Findings) to metinvestorguidelines to qualifying the loans. Review and corrects loan files for quality assurance using a pre-determined checklist. Credit Analysis: -Verify the credit report of the borrower to know the credithistory andoutstanding debt owed by the borrower. Review of AUS and Initial 1003.Review of the entire loan file using audit… Show more  Handling All Purchase and Refinance of Conventional, FHA, VA, and USDA Loans. Verifying the AUS Findings Freddie (LP Findings) and Fannie (DU Findings) to metinvestorguidelines to qualifying the loans. Review and corrects loan files for quality assurance using a pre-determined checklist. Credit Analysis: -Verify the credit report of the borrower to know the credithistory andoutstanding debt owed by the borrower. Review of AUS and Initial 1003.Review of the entire loan file using audit software to determine whether all items requiring documentation have been properly evidenced and are retained in the file. Verifying all documents like borrower CD, Note, Mortgage, Final application, Initial application, Loan estimate etc. Calculating LTV and CLTV and reviewing appraisal document. Running compliance ease to check APR/QM,RESPA, TRID test. Adding suspense conditions in a clear concise manner in LOSfor anydeficiencies noted as part of the review. Worked closely with client on Process updates and responding mails.. Preparing and sending initial loan disclosures to borrower for e-consent. Reviewing and auditing all closing and credit documents. Always maintained good record in team, in terms of productivity and quality irrespective of involvement in multiple initiatives. Designed an update tracker which includes all the process updates which helps in better processing. Show less

total i have 5 years of experience in us mortgage