Aakash Bhise

• US Mortgage – Working in US Mortgage and Global Markets. Responsible for handling post-US mortgage underwriting and support role for management activities.
• Input and manage application data in relevant mortgage processing systems based on loan type.
• Analyzed a variety of loans and engaged in daily client communication to ascertain their needs and preferences.
• Collected and assessed essential client data, evaluating debt ratios, loan-to-value ratios, credit scores, and property appraisals.
• Oversaw pertinent documents and records, focusing on enhancing customer satisfaction.
• Collaborated closely with colleagues across different departments.
• Review 4'C of the borrower before giving them loan approval.
• Analyzed applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.

• Built and maintained systems that provide proactive, real-time updates to customers via email, SMS, or in-app notifications. This includes provided accurate estimated delivery dates, and a clear way to track orders.
• Developed backend services and routing algorithms that streamline logistics for delivery companies. This involves optimizing routes, managing fleet tracking, and improving dispatch processes to reduce costs and delivery times.
• Worked on ticketing tools like Splunk and raised the tickets in the incident and risk management departments.
• Monitored application and system performance in production environments to detect and resolve issues quickly.

• Reviewed and updated credit and loan files, and sent approved loan documents to underwriting with specified limits.
• Reviewed, classified, coded, and rated applications to support senior underwriters during busy periods.
• Performed data analyst functions to track information such as payments, account updates, and customer interactions.
• Collect and verify documentation required for loan submission, ensuring compliance with all regulations.
• Verify income and employment documentation to ensure alignment with loan program requirements.
• Gather and prepare all documentation needed for closing, including mortgage insurance, and title requirements.
• Analyze credit reports, calculate income, and assess assets, liabilities, and collateral in accordance with agency guidelines.

• I worked in the US Mortgage Reviews department, where I indexed the images and also worked in the pre-purchasing review process.
• Reviewed title documents and title verification process.

Collect all necessary financial documents. A typical list includes:

• W-2 forms or tax returns (for the last two years)
• Recent pay stubs (30–60 days).
• Bank statements and other asset statements (for two months).
• Photo identification and Social Security number.