Anju Handa
Junior Underwriter
Delhi,India
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
2
2
Languages
Work History
Junior Underwriter
SitusAMC
Delhi, Delhi
05.2021 - Current
- U.S Mortgage Underwriting on the basis of 4C's of credit.
- Knowledge of US Mortgage Guidelines- Fannie Mae and Freddie Mac
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Verification of Base, Variable, Child Support, Alimony, Social Security, Rental and Self- Employed Incomes.
- Verifying various Paystubs, Tax Returns, Bank Statements, Credit Reports and other Financials. Daily Team Meetings to Plan the Day with Process Updates along with Weekly Quality Calls to discuss about Errors & Areas of Improvement.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Managing Portfolio of US Mortgage Conventional Loan Applications.
- Determined and documented loan conditions and communicated requirements and decisions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Senior Executive
EXL Service.com
Noida, U.P
09.2020 - 05.2021
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Review mortgages and defended lenders from FNMA, FHLMC and MI claims.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Prepared variety of different written communications, reports and documents.
- Review mortgages and defended lenders from FNMA, FHLMC and MI claims.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Associate Consultant
Oracle (OFSS) BPO Services Limited
Gurgaon, Haryana
10.2019 - 09.2020
- Working on Loan Origination Process, Pick Loans and analyze all Mortgage documents (Eg. Note, Mortgage, Closing Disclosure, Loan Estimate, Automated Underwriting System, Appraisal, Application, 4506T, VVOE, Tax Returns Credit Report, Title and Hazard Insurance etc).
- Compiled research data and gave professional presentations highlighting finds and recommended optimizations.
- Evaluated diverse organizational systems to identify workflow, communication and resource utilization issues.
- Supported clients with business analysis, documentation and data modeling.
- Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
- Developed strategic component development plans to support future projects.
Senior Process Associate
CNS Comnet Solution Private
Gurgaon, Haryana
02.2013 - 02.2019
- Met month-end reporting objectives and deadlines.
- Identified and resolved process issues to encourage smoother procedures, more efficient workflow and overall business growth.
- Performed quality assurance checks on transactions and account actions to assess compliance with state and federal regulations.
- Identified modifications to processes and procedures that would promote better efficiency.
- Maintained working knowledge of latest industry techniques and methods.
- Offered data-driven recommendations aligned with overall company strategies and prioritized process improvement initiatives.
- Conducted training and change management processes to improve operations.
- Team Handling Experience and update members performance to Team Leader also assigning work to Team Members.
Education
MBA - Human Resources Management
Symbiosis Center of Distance Learning
Pune 08.2015 - 08.2016
Bachelor of Arts - Economics
University of Delhi
Delhi 11.2009 - 11.2013
Skills
Analytical and Critical Thinking
Multitasking Abilities
Planning and Coordination
Interpersonal Communication
Relationship building
Time management
Trend Analysis
Quality assurance
Timeline
Junior Underwriter
SitusAMC
05.2021 - Current
Senior Executive
EXL Service.com
09.2020 - 05.2021
Associate Consultant
Oracle (OFSS) BPO Services Limited
10.2019 - 09.2020
MBA - Human Resources Management
Symbiosis Center of Distance Learning
08.2015 - 08.2016
Senior Process Associate
CNS Comnet Solution Private
02.2013 - 02.2019
Bachelor of Arts - Economics
University of Delhi
11.2009 - 11.2013