Vicky Lodaya Email and Phone Number

• Building relationship with clients. • Review and send audit reports to client.• Handling client inquiries and acting as the face of the business.• Providing resolution to clients.• Providing feedback to Operations and improve their efficiency.

• Underwriting US Mortgage files for HAMP (Home Affordable Modification Program).• To calculate monthly Income and expense of the borrower.• To review Credit reports & Appraisal reports.• To review documents like Paystubs, P&L statements, SSI Award letters, Public assistance, Pension documents, Tax returns, 4506-T, etc. • To run waterfall and target a Front End DTI of 31%. • To run NPV test on loan that is in default or is at least 60 days delinquent.• To make a final decision on Approval / Denial for HAMP.

• Underwitring forward mortgages for SWMC who has Lender License in many states of US.• Worked for Underwriting and Closing for total of 15 months.• Worked on Forward as well as Reverse Mortgages.• Worked on FHA, VA and Conventional Loans (Which includes FHA 203K Loans, Purchase, Refinance and Streamline Refinance for all the broad categories mentioned.)• Worked on Applications like Reversesoft online, Mortgagesoft online, Doc Magic and Baydocs. Responsibilities :• To Calculate income of the borrower as per the income documents provided.• To ensure that accurate information is updated in system.• To see if documents like hazard insurance, CPL, Preliminary report, Appraisal report, etc contains required informations and consistency of data is maintained.• To see if proper GFE is disclosed and RESPA guidelines & MDIA compliance are met.• To do followup with broker, escrows and 3rd parties as per the requirements.

• Worked as a Junior Accounts executive. • Looked after the cash and bank accounts of the company.• Responsibility also included finding out the difference in the balance through reconciliation.