Anjum Khan
Mortgage Underwriting & Servicing
Thane
Summary
More than 9 years of thorough Mortgage Underwriting, Servicing & Loss Mitigation skilled in application analysis, income validation and managing loan approval and denial processes. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Team Leader & Asset Manager. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy for Conventional and specialized loans. Proven expertise in identifying unacceptable risk, preventing fraud and handling mitigated & Litigated cases. Productive employee with proven track record of successful project management and producing quality outcomes through leadership and team motivation, dedicated to maintaining professionalism and integrity. Clear communicator with skills in conflict resolution, time management, and problem solving.
Overview
15
15
years of professional experience
3
3
years of post-secondary education
Work History
Sales Manager
Whitehat Junior
Mumbai
12.2021 - 12.2022
- Working with teams in developing effective selling and positioning strategies for EdTech programs in United Kingdom.
- Work with the Sales Manager and team to develop and execute programs to drive pipeline & close deals
- Mentored employees in successful selling techniques and encouraged cross-selling additional products and services.
Sr. Associate (Dormant Judgement)
Radius Global Solutions
Mumbai
01.2020 - 12.2021
- Negotiating and clearing of the Liens and Judgement on the properties thus clearing of the Title on the United States properties.
- Following up with the US counties, Realtors, Law firms and Customers in getting off the release of lien and Title clearance thus making the properties available for a clear sale.
Team Leader - Operations
Ocwen Financial Solutions Pvt Ltd
Mumbai
02.2009 - 07.2016
- Mortgage Underwriting
- Underwrite loan modification decisions for conventional and FHLMC investor files, review included completeness and accuracy of document review, income calculations, coding and decisions.
- Also handled underwriting and servicing projects for Resolutions such as Refinance, Sale, Short Sale, Deed in Lieu. Resolutions were provided through underwriting work including collecting the required documents, DTI calculations, going through Tax transcripts & Credit reports, requesting necessary appraisals, implying to investor guidelines, also worked on Title clearance etc.
- Handle audits of previous underwriter approvals.
- Audited entire credit packages and collateral for residential mortgage loans to ensure an investment quality loan product.
- Team & Data Management
- Led a special servicing & mortgage Underwriting team of 20 associates.
- Delegated cases through right channels to the respective department and associates.
- Resolving the operational and interdepartmental problems quickly.
- Assist with daily, weekly, and monthly production reports, finding problems and working on strategies to fix them.
- Training and counseling of associates. Minimizing the call escalations through effective coaching and support and handle escalated calls.
Sr. Client Relationship Associate
3 Global Services
Mumbai
12.2006 - 01.2009
- Retaining all the High Valued Customers who have decided to leave the 3-phone network.
- Upgrading new contract for high valued customers.
Client Relationship Executive
Zenta Pvt Ltd
Mumbai
10.2004 - 12.2006
- Mortage Servicing
- Retain & service existing Chase mortgage customers via collections, working out Forbearance payment plans and foreclosure prevention procedures such as Regular or short sales.
• Performed Forensic underwriting reviews pf previously closed mortgage loans to determine compliance and underwriting guidelines.
Education
Bachelor in Commerce - Accounting
Calorx Teacher's University
Ahmedabad, Gujarat 07.2013 -
Skills
Loan to Value Ratio Calculations
Timeline
Sales Manager
Whitehat Junior
12.2021 - 12.2022
Sr. Associate (Dormant Judgement)
Radius Global Solutions
01.2020 - 12.2021
Bachelor in Commerce - Accounting
Calorx Teacher's University
07.2013 -
Team Leader - Operations
Ocwen Financial Solutions Pvt Ltd
02.2009 - 07.2016
Sr. Client Relationship Associate
3 Global Services
12.2006 - 01.2009
Client Relationship Executive
Zenta Pvt Ltd
10.2004 - 12.2006
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