DEEPAK C
Chennai
Summary
An experienced and well maintained professional having 6 years expertise in U.S. residential mortgage underwriting with strong skill in risk assessment, credit evaluation, income analysis, asset analysis, documentation review, and mortgage loan decision-making. Seeking an opportunity to apply my skills and contribute to the organization's success while learning company policies and making better decisions in the favors of the company.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Business Accountability Associate
Wells Fargo International solutions Pvt Ltd
Chennai
02.2025 - Current
- Performed real-time underwriting decisions on live mortgage applications for Conventional loan products.
- Reviewed borrower income,assets,liabilities and documentation on live calls with processors or loan officers
- Delivered immediate conditional approvals or denials in compliance with investor guidelines and federal regulations.
- Collaborated directly with sales, processors, and closing departments to resolve escalations and expedite decisions.
- Balanced speed and accuracy in high-volume environments while ensuring adherence to Fannie Mae, Freddie Mac, and agency overlays.
Senior Underwriter
Wipro Technologies
10.2023 - 02.2025
- Conducted pot- closing audits to ensure all loan documentation complied with investor and agency guidelines (FNMA, FHLMC).
- Reviewed closed loan filed for completeness, accuracy, and compliance with federal and state regulations.
- Verified presence and accuracy of critical documents including Closing Disclosure (CD), Note, Deed of Trust, and title commitment.
- Identified and resolved documentation deficiencies prior to investor delivery or loan purchase.
- Collaborated with compliance and legal teams to address post-funding issues or cure deficiencies.
- Flagged and reported potential fraud, missing signatures, or documentation inconsistencies.
- Participated in post-closing quality assurance (QA) and risk assessment reviews.
Senior Underwriter
Accenture India Pvt Ltd
07.2019 - 10.2023
- Performing a key role in underwriting as reviewing 4C's of underwriting (credit, capacity, capital, and collateral)documents and to take decision on the loan whether the borrower is eligible for a loan or not, as per Fannie/Freddie and respective client guidelines.
- Analyzing the borrower documents and setting up new loan.
- Good understanding in implementing logics, while processing loans auditing the loans which are already Underwritten.
- Trained underwriter for U.S. residential mortgage. Auditing and Validating the Residential Mortgage Loans.
- Maintaining team defect trend and team production vs Quality tracker.
Education
MBA - General Studies
Loyola College (Pondicherry University)
Nungambakkam,Chennai01-2021
Bachelor of Commerce - General Studies
SRM Institution of Science & Technology
Ramapuram,Chennai01-2019
HSC -
New Prince Matriculation Higher Secondary School
Ullagaram, Chennai01-2016
SSLC -
New Prince Matriculation Higher Secondary School
Ullagaram, Chennai01-2014
Skills
- Income & Asset Verification
- Credit & Risk Analysis
- Quality Assurance & Audit
- Time Management
- Effective Communication
- Critical Thinking
- Cross-functional teamwork
Languages
English
First Language
English
Proficient (C2)
C2
Tamil
Proficient (C2)
C2
Accomplishments
- Special Recognition Award, High production and maintaining good quality
- Top Performance Award
- Promoted as a reviewer in short time and also achieved short period level movement
Personal Information
National :Indian
Declaration
I do hereby declare that the above information is true to my knowledge
Certification
Having mortgage academy certificate after successful completion of three months course
Timeline
Business Accountability Associate
Wells Fargo International solutions Pvt Ltd
02.2025 - Current
Senior Underwriter
Wipro Technologies
10.2023 - 02.2025
Senior Underwriter
Accenture India Pvt Ltd
07.2019 - 10.2023
MBA - General Studies
Loyola College (Pondicherry University)
Bachelor of Commerce - General Studies
SRM Institution of Science & Technology
HSC -
New Prince Matriculation Higher Secondary School
SSLC -
New Prince Matriculation Higher Secondary School