Summary
Overview
Work History
Education
Skills
Languages
Hobbies and Interests
Personal Information
Confirmation
Timeline
Generic

C Pavani

Chittoor

Summary

Dynamic Senior Process Associate with extensive experience at Privocorp, excelling in loan processing and underwriting. Proven ability to analyze financial documents and meet production targets under pressure. Strong analytical skills and a commitment to quality results drive successful outcomes in complex loan evaluations. Adept at collaborating effectively within teams and independently.

Overview

4
4
years of professional experience

Work History

Senior Process Associate

Initial disclosure
05.2021 - 07.2025
  • Working Experience in Privocorp as a Loan Processor:
  • Review and verify financial documents such as tax returns, pay stubs, bank statements.
  • Order appraisal, prelim, credit report, flood determinations and other documents as requested.
  • Create initial checklists and monitor receipt of all documentation.
  • Thoroughly review and analyse supporting documentation, including income and financial statements property related documentation.
  • Responding to written and phone inquiries from customers, related third parties, and internal personnel regarding loans within the commercial mortgage portfolio.
  • Satisfy all conditions when received from underwriting.
  • Maintain an accurate pipeline record and update for all loans in process.
  • I worked in MERS I sent First payment letter, Good bye Letters in LQB.
  • Responding to inquiries pertaining to all areas of loan servicing including payment research, taxes, insurance, loan modifications and assumptions, prepayments, payoffs, adjustable-rate loans, credit reporting, and lien perfection.
  • Order and collect all docs related to loan from the borrower, third party etc.
  • Gathering all documentation necessary for closing including mortgagee clause changes for homeowner's insurance.
  • Set up all the collected and requested docs and uploaded them in Encompass.

Underwriter

Privo Corp Pvt. Ltd.
Bangalore
  • Working Experience as an Underwriter:
  • Working as Credit, income and Assets (UNDERWRITER).
  • 1040 (IRS), Hazard insurance, 1008 FHA underwriting Transmittal summary, Verification employment (1005), W9-Wages, W2, Award letter and kind of Income documents Evaluate.
  • Evaluate debt & lot-to-Value ratios, Credit score property valuation and various other factors.
  • In Freddie Mac review we will check continuity of 3 years for child support income.
  • Determine and document and loan Conditions, Communicate Requirements.
  • Process the loan as per borrower given financial and Hardship information; once we received complete income proofs of borrower we will calculate the DTI, LTV, Front end & Backend ratios then will decide whether borrower is eligible or not if not then decline the application by placing appropriate codes.
  • Responsible to meet the production and quality targets, to attend the one-on- one meetings with the manager to review the feedback.
  • Pay stubs or Employer letter, P&L statements, Rental agreements, SSI, Pension, retirement, annuity, public assistance and all kinds of Benefits income these are the income documents daily basis we will use to analyse the financial condition of borrower.
  • Final application (1003), Credit report, Appraisal, Tax returns, 4506T.

Education

Degree -

Vijayam Degree & PG College
Chittoor

Intermediate -

R.K. Junior College
Chittoor

SSC -

Govt. High School
Irala

Skills

  • The ability to work under pressure and multi-task
  • Successful working in team environment as well as independently
  • The ability to follow instructions and delivery the quality results
  • Problem analysis, use of judgment and ability to solve problem efficiently
  • Ability to prioritize task, analytical skills, and quick learner

Languages

  • Telugu
  • English
  • Tamil

Hobbies and Interests

  • Listening music
  • Cooking

Personal Information

  • Date of Birth: 02/17/93
  • Nationality: Indian
  • Marital Status: Married

Confirmation

I confirm that the above information provided by me is true to the Best of my knowledge and belief.

Timeline

Senior Process Associate

Initial disclosure
05.2021 - 07.2025

Underwriter

Privo Corp Pvt. Ltd.

Degree -

Vijayam Degree & PG College

Intermediate -

R.K. Junior College

SSC -

Govt. High School

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C Pavani