Renu
Kaithal,India
Summary
Results-driven and detail-oriented finance professional with proven track record in the Mortgage Underwriting Process. MBA Finance graduate with strong foundation in financial analysis and a commitment to maintaining highest standards of quality in all professional endeavors.
Overview
3
3
years of professional experience
Work History
Senior Associate - Ops
WNS Global Services
Gurgaon, IN
06.2022 - Current
- Reviewing mortgage applications and performing a thorough review of applicants' income and expense data, asset documentation, and liabilities in order to affirm that the borrower qualifies for a loan.
- Assisting underwriters in evaluating loan applications to determine creditworthiness and risk assessment.
- Reviewing and analyzing mortgage loan documents, including appraisals, credit reports, income documents, title reports, hazard and flood insurance policies, ALTA Settlement statements, and Closing Disclosures.
- Conducting a thorough review of loan applications, analyzing conditions, and communicating the documentation requirements to borrowers through conditions and third-party ordering.
- Working on purchase and refinance mortgage loan products - Conventional, FHA, VA, and Closed-End Seconds.
- Ensuring all aspects of the mortgage process adhere to investors' guidelines and lender's policies.
- Demonstrated expertise in the Pilot Purchase Mortgage Process, consistently achieving top-quality results within the team.
- Responsible for training new hires and conducting quality checks on loan files processed by team members to identify errors or discrepancies, maintaining high quality standards.
- Responsible for handling team queries efficiently and providing valuable support to enhance overall operational efficiency.
Intern Trainee
WNS Global Services
Gurgaon, IN
06.2021 - 06.2022
- Reviewed conditions for a loan application and conducted a thorough review of applicants' asset documentation, income documentation, and credit report.
- Analyzed documents and requested additional information from the borrowers through conditions, as necessary.
- Ensured compliance with investors' guidelines and lenders' policies.
- Worked on refinance mortgage loan products - Conventional, FHA, and VA.
- Documented and effectively communicated reasons for approval/rejection of documents provided by the borrowers.
Education
MBA - Finance And Banking
Chitkara University
Punjab, India07-2022
Bachelor of Commerce -
RKSD(PG) College
Haryana, India11-2020
12th - Commerce
RKSD Public School
Haryana, India05-2017
10th -
RKSD Public School
Haryana, India05-2015
Skills
- Mortgage Operations
- 4 C's of Underwriting
- Documentation Review
- Income Calculation
- Automated Underwriting System (AUS)
- Prospector (LP) and Desktop Underwriter (DU)
- Training and Mentoring
- Internal Auditing
- Complaint/Escalation Resolution
- Microsoft Excel, Word and PowerPoint
- Attention to Detail
- Interpersonal Skills
- Teamwork and Collaboration
- Multitasking
- Analytical Skills
Affiliations
- Financial Modeling & Valuations
- US Mortgage Program
- Stock Markets & Financial Derivatives
- Financial Accounting - Tally ERP9
- Reading Financial Statements - CFI
- Excel Fundamentals - Formulas for Finance - CFI
Accomplishments
- Managing pipeline of FHA, VA and Conventional loans while exceeding 125% of organizational goals.
- Achieving top rating and quality throughout the career with bundle of recognitions and appreciations.
- Assisting team members by regular trainings and quality checks and assisting them to achieve 99% quality mark for client.
- Mentoring associates to enhance their professional expertise beyond standard training requirements, as a Subject Matter Expert.
Volunteer Work
- Aashman Foundation, Panchkula - Fundraiser Intern
- Project Parwaah - Rotaract Club, Chandigarh
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
Senior Associate - Ops
WNS Global Services
06.2022 - Current
Intern Trainee
WNS Global Services
06.2021 - 06.2022
MBA - Finance And Banking
Chitkara University
Bachelor of Commerce -
RKSD(PG) College
12th - Commerce
RKSD Public School
10th -
RKSD Public School
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