Raveen Marahar
Sterling Heights
Summary
Results-driven finance professional with 5+ years of experience across banking, lending, underwriting, credit analysis, risk assessment, and portfolio management. Proven ability to analyze complex financial information, assess risk, and support data-driven business decisions in highly regulated environments. Demonstrated expertise in financial statement analysis, cash flow analysis, financial documentation review, internal controls, and regulatory compliance. Adept at identifying operational efficiencies, managing cross-functional relationships, and delivering analytical insights that support business performance, risk mitigation, and strategic decision-making. Seeking to leverage a strong analytical foundation and financial expertise in a Financial Analyst, FP&A, or Corporate Finance role.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Underwriter II
United Wholesale Mortgage
Pontiac
12.2025 - Current
- Perform financial statement analysis, credit analysis, and cash flow assessment to evaluate borrower financial strength and repayment capacity.
- Analyze income statements,paystubs, W2’s, tax returns, balance sheets, bank statements, and credit reports to support lending decisions and risk evaluation.
- Apply financial modeling concepts including debt-to-income (DTI), liquidity analysis, leverage, and affordability metrics to assess creditworthiness.
- Conduct variance analysis-style reviews of borrower income, liabilities, and financial trends to identify inconsistencies and risks.
- Support financial decision-making processes by preparing structured underwriting analyses for approval and risk mitigation.
- Perform second-level reviews of complex financial files and provide independent credit risk recommendations.
- Manage high-volume workflow while maintaining accuracy, turnaround time, and operational efficiency.
Underwriter I
United Wholesale Mortgage
Pontiac
09.2025 - 12.2025
- Reviewed appraisals, title information, and supporting documentation to ensure loan files met underwriting requirements.
- Collaborated with processors, brokers, and operations teams to obtain missing documentation and resolve underwriting conditions.
- Communicated loan decisions and documentation requirements to internal stakeholders while maintaining service-level expectations.
- Conducted research and gathered information from borrowers, brokers, and third parties to resolve file discrepancies and support decision-making.
Financial Relationship Banker
Huntington National Bank
Rochester Hills
03.2022 - 09.2025
- Analyzed customer financial profiles, banking relationships, credit histories, and cash flow patterns to identify lending and financial
solution opportunities.
• Conducted comprehensive financial needs assessments and provided recommendations aligned with customer objectives and risk
considerations.
• Evaluated consumer lending applications and supporting documentation while maintaining adherence to credit policies and regulatory
requirements.
• Monitored account activity and transaction trends to identify discrepancies, fraud indicators, and operational risks.
• Supported ACH, wire transfer, and payment-processing operations while maintaining strong internal controls.
• Ensured compliance with KYC, AML, audit, and documentation standards while maintaining data integrity and customer record accuracy.
Education
BBA - Finance
Oakland University
Rochester Hills, MI12-2020
Skills
- Credit Analysis
- Cash Flow Analysis
- Portfolio Review
- Variance Analysis
- Internal Controls
- Audit Readiness
- Regulatory Compliance
- Financial Documentation Review
- Debt-to-income analysis
- Microsoft Excel (PivotTables, XLOOKUP, VLOOKUP, Data Analysis),
- PowerPoint
- Financial analysis
- Financial modeling
- Credit risk assessment
- Freddie mac & Fannie mae
Certification
- Mortgage Loan Originator (MLO)
Nationwide Multistate Licensing System & Registry (NMLS)
Credential ID 2161253
Timeline
Underwriter II
United Wholesale Mortgage
12.2025 - Current
Underwriter I
United Wholesale Mortgage
09.2025 - 12.2025
Financial Relationship Banker
Huntington National Bank
03.2022 - 09.2025
BBA - Finance
Oakland University