Balaji C

Evaluated loan applications using four Cs: capacity, credit, capital, and collateral.

Verified income calculations for wage earners and self-employed individuals, including Schedules C, E, 1065, 1120-S, 1120, and K-1.

Conducted thorough analyses of documentation to assess credit histories and employment records.

Made informed determinations based on current financial status and submitted information.

Pre-Purchase Reviewer

Reviewed closing documents, including NOTE, DOT, Final 1003, and Final CD after underwriting completion.

Calculated first payment letter based on established guidelines.

Verified documentation in accordance with checklist requirements.

Handled various loan types, including FHA, VA, USDA, and conventional loans.

Conducted meetings to provide updates from clients regularly.

Performed quality checks on loans to ensure compliance standards.

Proposed process improvements to enhance efficiency and reduce turnaround time.

• Proven ability to handle high volume and communicate well with Managers
• Documenting the process change from the client requirements.
• Managing activity of applications as per SOP & in line with standard TAT.
• Reviewed closing documents, including NOTE, DOT, Final 1003, and Final CD after underwriting completion
• Handled various loan types, including FHA, VA, and conventional loans

• Work with Manager in executing the assigned daily goals, tasks and assignments
• Review others' work outputs and provide input to manager on employee performance
• Act as People Manager for the performance management, professional growth and development of the team member
• Evaluated performance of less experienced underwriters and helped improve over all work quality by implementing improvement plans.
• Documenting the process change from the client requirements.
• Managing activity of applications as per SOP & in line with standard TAT.
• Evaluate employee key performance indicators and identify training needs and development opportunities.
• Develop work schedules and assign duties to direct report personnel to ensure efficiency.
• Discuss job performance concerns with employees to identify causes and issues and works closely with the High level management on resolving problems

Initiated testing on new project for loan processing to clients.

Communicated effectively with Managers while handling high-volume tasks.

• Developed project plans and schedules for on-time delivery
• Identified risks and implemented mitigation strategies
• Monitored project progress and adjusted plans as needed

• As a Processor
• Experienced in Loan Origination, Underwriting, post-closing review, Pre purchase review, Foreclosure, Hamp, Non-Hamp and Loan Modification.
• Underwriter bowers loan with 4 Cs capacity, credit, capital, and collateral
• Verifying the income calculation for both Wages and self-employed like Schedules- C,E, 1065,1120-s,1120 and K-1
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
• Able to determine credit risks by reviewing files in advance and comparing data against internal checklists and FNMA/FHLMC guidelines
• Applied grades to each loan application based on established criteria to keep institutional risk low.
• Screening and assessing new mortgage applications
• Perform tasks to assure project and program service level requirements and goals are met.

• Executed loan origination and underwriting processes for various loan types, including HAMP and non-HAMP.
• Performed foreclosure assessments and facilitated loan modifications for distressed borrowers.
• Analyzed borrower qualifications based on capacity, credit, capital, and collateral criteria.
• Calculated key financial metrics such as loan-to-value (LTV), debt-to-income (DTI), and income for wage earners and self-employed individuals.

• Entered application data into computer systems for efficient processing.
• Verified mandatory documents to ensure compliance with requirements.
• Assisted customers in generating insurance IT, enhancing service delivery efficiency.

• Instructed individuals on Tally, income tax, and NCFM principles.
• Installed Tally software for corporate clients and provided training sessions.
• Conducted comprehensive training programs to enhance user proficiency in Tally.
• Facilitated workshops on income tax regulations and compliance for professionals.