Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Timeline
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Deepak Chander

New Delhi

Summary

Proactive and adaptable mortgage underwriting domain experience and knowledge, passionate about contributing to the success of high-growth organizations like Go Moder. My expertise in mortgage loan underwriting makes me a strong candidate to support your expansion and achieve strategic objectives. I am eager to embrace new challenges and become a valuable, long-term contributor within your dynamic team.

Working as dedicated Mortgage Underwriting with proven track record of successfully managing client of Post Close UW.

Overview

19
19
years of professional experience

Work History

Team Lead (Underwriting)

3N Performance
Bhubaneswar
12.2024 - Current
  • Company Overview: formerly OPX America
  • Working as dedicated Mortgage Underwriting with proven track record of successfully managing client of Post Close UW.
  • Currently doing Post Closing UW audit for Conventional, FHA and VA loans.
  • Also review FHA loans with manual downgrade scenarios.
  • Review all necessary documents such as 1003, 1040 and Income Documents.
  • Follow AUS to review 4c's (credit, capital, capacity, collateral).
  • Income calculation done using income calculator for all type of incomes.
  • Review Credit history by using CBR, Review all collection account, derogatory account information’s.
  • Review appraisal verify the property is eligible for getting a mortgage based on investor guidelines on ally type of properties.
  • Review all asset documents which require to close the loan, verify large deposits and any undeclared debits.
  • Review title commitment and verify the 12 months chain of title and verify any judgement or lien against the property.
  • Condition for any missing documents to the processor within the TAT.
  • Verify the loan is eligible to purchase based on the investor and lender guidelines.
  • Formerly OPX America
  • Evaluate client updates through emails regularly and follow it.
  • Maintain good quality and production to meet client SLA’s.
  • Conducting performance evaluations, providing feedback to new team member, and work with team members to enhance their skills and productivity.
  • Communicating with clients to assess their needs, address concerns, and identify opportunities for further collaboration.
  • Also experience on other mortgage loan types like VA and USDA.

Senior Analyst (Underwriting)

SitusAMC
Gurugram
10.2020 - 11.2024
  • Company Overview: formerly Assimilate Solutions
  • Working experience of underwriting in different clients involving in Post-closing UW and Non-QM UW processes.
  • Audit and/or re-underwrite loans from an income, Assets and credit standpoint on a daily basis and note any underwriting exceptions.
  • Trained new member in the team.
  • Maintain team production and quality data report.
  • Communicate with client through emails and call for recent updates and feedback.
  • Formerly Assimilate Solutions

Subject Matter Expert (Mortgage)

Oracle Financial Software Services LTD.
04.2006 - 10.2020
  • Working experience in Compliance Test Review, Loan Setup, UW and Post Closing processes.
  • Audit and/or re-underwrite loans from an income, Assets and credit standpoint on a daily basis and note any underwriting exceptions.
  • Trained new member in the team.
  • Maintain team production and quality data report.
  • Regularly sent team reports to managements.
  • Communication with teams regarding process updates.
  • Communicate with client through emails and call for recent updates and feedback.

Education

B.COM -

Subharti University

Skills

  • Ambitious, Energetic & Confident
  • Flexibility in any atmosphere
  • Be ready to work under challenging situation
  • Keen to learn new things
  • Problem Solving
  • Business Process Improvement

Accomplishments

  • Movement in complex projects based on working ability.
  • Client Appreciation and Prize for achieving targets beyond expectation.
  • Promotion as Subject Matter Expert on the basis of exceptional performance.
  • Star Performer Award Winner for production and quality.

Timeline

Team Lead (Underwriting)

3N Performance
12.2024 - Current

Senior Analyst (Underwriting)

SitusAMC
10.2020 - 11.2024

Subject Matter Expert (Mortgage)

Oracle Financial Software Services LTD.
04.2006 - 10.2020

B.COM -

Subharti University

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Deepak Chander