Shubham Ashtagi Email & Phone Number

Pune, Mh, In

Haryana, India

• Conduct comprehensive mortgage document reviews ensuring accuracy and compliance.• Evaluate borrower creditworthiness using the 4 C's: Credit, Capacity, Capital, and Collateral.• Utilize Tinman, an automated underwriting system, for loan assessments.• Collaborate with cross-functional teams to streamline the underwriting process.• Mitigate risks by ensuring adherence to company and regulatory guidelines.• Deliver data-driven insights to support efficient loan approval decisions.

Thane, Maharashtra, India

• Analyzed loan risk and reviewed loan conditions and requirements.• Analyzed Capacity (Tax returns and other records of income), Credit (1003), Cash, and Collateral (Appraisal, HOI, Flood Certificate, Flood Insurance & Title) to determine loan approval or denial.• Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.• Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals, and property valuations.• Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.• Determined loan eligibility and approved or rejected application

Pune, Maharashtra, India

- Led end-to-end project management for appraisal reviews, ensuring timely completion and adherence to quality standards. - Conducted training for new team members, fostering smooth onboarding and maintaining a feedback loop for skill enhancement.- Efficiently assigned appraisal review files, aligning tasks with team members' strengths and targets for optimal productivity.- Oversaw the team, ensuring high-quality work aligned with standards and client requirements.- Compiled EOD reports summarizing daily production activities and milestones for client update- Managed communication with clients, addressing concerns and maintaining positive relationships.- Reviewed appraisal reports (1004, 1025, 1073, 1004C, 2055, etc.), Title, 1003 and other documents to ensure compliance with investor property eligibility and appraisal guidelines.-Collaborated with Aloft and Appraisals Toolkit, leveraging cutting-edge technology to streamline appraisal processes and improve data accuracy.-Provided feedback to Aloft's product development team, contributing to the continuous improvement of their appraisal tools and software.

Solapur, Maharashtra, India

• Provide comprehensive administrative support, aiding in the completion of daily tasks for managers.• Contribute to policy-setting initiatives, assisting in the establishment of new guidelines for efficient operations.• Implement quality control measures by removing products and materials that do not meet specified standards.• Reviewed loan files meticulously, ensuring documentation completeness based on loan types (FHA/USDA/CONV) for accurate valuation of land, improvements, or subject properties.• Validate essential documents, including purchase agreements, Title Documents, and HOA documents, addressing discrepancies by adding conditional requirements to maintain accuracy.

Solapur, Maharashtra, India

• Provided reviews loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals and all applicable compliance documents Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors.• Assessing loan applications for risk and adherence to lending guidelines.• Making underwriting decisions based on loan program requirements and risk assessment.• Adhering to regulatory compliance standards and company policies.