Loss mitigation Compliance Analyst Review all required documents from borrowers and investors like FHA, VA , and USDAWorking with Cenlar Pre Foreclosure TeamsApplication like Citrix, Director, Synergy, Metasource, BITB,Symphony

US - Residential mortgage (Jan 2021 to Jan 2022)• Working as a Direct to Underwriter, (US - Residential mortgage and Underwriting - Compliance).• Loan origination Reviewing 1003-Verifying property information, Borrowers information, employment information, monthly income and combined housing expenses information.• Validating all the required documents to be submitted for underwriter.• Analyzing the valuation report and updating the property value to cross check the LTV within limit.• Scrub and setup the loan in to the process with checking up with 4C’s moved to first pass.• Performed as Senior Associate: Floor Support, trained new Joiners, and send reports both internally and externally.• Highly efficient mortgage -closing Specialist offering two years of experience in end to end Closing on Conventional loans, FHA, VA loans.Direct End to End Underwriter – Compliance (Jan 2022 to Oct 2023)• Need to check dates are filled according to disclosures like LE and CD• Compare fees if there are within Tolerance limits. Need to check all missing fees and to fill the missing fees like LE and CD• Reviewing documents such as AUS, 1003 Form, Credit Report, Income (Paystub, W2, and VOE) and Asset Documents etc.• Auditing the report check if any defect amount clears the test for State Disclosure, ECOA and privacy notice.• As a closer working in different deals have to check disclosed CD and LE whether the issued CD and LE has been correctly issued or not.• We are working with compliance team to work in note document, 1003, AUS Approval and COC. • Co-ordinate with Loan processor, Underwriter and title agents to deliver the reliable fees structure.• QC review of the files closing instructions ,closing documents and co-ordination with internal teams, closing numbers disclosure tolerances and timing to assure compliance with all rules and regulations• Tracking and Monitoring the updates and escalations from clients /internal defects.

• Preparing Monthly wages, Attendance Report, Sales Report, and Purchase Report.• Visiting all Local Companies and explain about the product and get the quotations.• Communicating with the our partners and briefly explain about the issues• Visiting the Plants like SRF, TPL, MRL, CPCL, Kothari, Tanfac, One IT Park, Forum Mall and check the AC towers condition and give feedback.

·        Analyze daily FX market and provide the rate to the remitters based on that.·        Developing a solid understanding of the remittance business, supporting process and systems for all aspects of the groups send money transactions flows.·         Working with business units to help develop the product remittance roadmap to ensure the company meets its financial target. ·         Identify training needs and provide training for new hires and refresher training while switching between projects. ·        Work closely with cross-functional teams to ensure the successful development ,marketing and integration of the company’s product ·         Communicate proactively with senior management on group remittance product their performance and major issues in the market or competition.·        As an origin company we have increased the sales up to 16 million per month.·        Occasionally attend business meetings conducted by management to improve business strategies

Loan origination (Pipe Line Monitoring)Monitoring the residential mortgage loans after origination till the loan ready for underwriting clear to close. Monitoring whether all the documents required for UW are received submitting the loans to UW.post approval of UW check for the availability of documents for closing. supporting the mortgage Loan coordinator and underwriters through emails and chatting commercial Lending (Borrowing Base)Collateral Evaluation of Accounts receivable report to monitor whether the eligible collateral supports the amount used against the Revolving line of Credit. calculating how much the borrower is eligible to get as advance amount. Supporting client’s query through emails and chatter box in nCinopreparing Borrowing base work sheet which is the requirement of underwriter to make their decision.