Anusha Shetty

• Serve as the primary point of contact for clients throughout the mortgage process, providing expert guidance on loan products, application requirements, and timelines.
• Utilize in-depth underwriting knowledge to assess client needs, address concerns, and recommend appropriate mortgage solutions, enhancing client satisfaction and trust.
• Analyzed customer feedback to identify areas of improvement and implement changes accordingly, resulting in improved overall service experience for clients.
• Coordinate with internal departments, including underwriting and processing, to ensure timely and accurate loan closing
• Collaborated with cross-functional teams to deliver high-quality products and services to clients.
• Develop and implement client service protocols that improve communication and support.
• Managed multiple reports simultaneously, ensuring timely completion and meeting client expectations.

• Review of 4 C's of Underwriting (Credit, Capacity, Collateral and Capital)
• Reviews and evaluates borrower(s) profile including 1003 (Universal Application form), income documents, credit reports, Asset Documents, Purchase agreements, Title Reports, Appraisals, Flood and Hazard insurance documents, Core-logic Report and Tax Certification document.
• Perform duties using Automated Underwriting Systems (AUS)
• Calculate Income, Debt – To – Income Ratio (DTI), Loan – To – Value (LTV) & Combined Loan – To – Value (CLTV)
• Due diligence of documents, Underwriting, Conditional Loan approval, Final Approval.

• Review of 4 C's of Underwriting (Credit, Capacity, Collateral and Capital).
• Due diligence of documents, Underwriting, Conditional Loan approval, Final Approval.
• Reviews and evaluates borrower(s) profile including 1003 (Universal Application form), income documents, credit reports, Asset Documents, Purchase agreements, Title Reports, Appraisals, Flood and Hazard insurance documents, Core-logic Report and Tax Certification document.
• Perform duties using Automated Underwriting Systems (AUS)
• Calculate Income, Debt – To – Income Ratio (DTI), Loan – To – Value (LTV) & Combined Loan – To – Value (CLTV).

• Responsible for reviewing, analyzing, approving, and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines for Loss Mitigation.
• Assist team members with their queries and mentor new hires during their ramp phase.
• Work on 30 days & 3 days timeline tracker for the team to meet the required targets for the team.
• Review documentation to verify the received documents are in compliance with internal and regulatory requirements.
• Scrutinizing and checking the income documents of customer for possible resolution by calculating the income.
• Review historical and projected financial analysis utilizing tax returns and financial statements to arrive at the income to ensure it meets the eligibility criteria.
• Evaluate and ensure overall loan documents are complete and condition the loan for missing docs, if applicable.
• Trigger Reg B (Initial Acknowledgement), Reg X (Complete Package), Missing documents and decision letters based on the review.
• Review foreclosure loans, evaluate whether they were processed in accordance with HAMP, Proprietary modification or other applicable program guidelines and requirements.