Dharmaraj Kapse

• Made approval and denial recommendations by determining accurate risk levels.
• Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
• Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
• Examined credit reports, financial statements and tax returns to determine repayment capability.
• Determined and documented loan conditions and communicated requirements and decisions.
• Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.

I got authority To Approve the loan or denial the loan. I was having authority to send Counter offer to borrower if not getting quality.

• Made approval and denial recommendations by determining accurate risk levels.
• Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
• Determined and documented loan conditions and communicated requirements and decisions.
• Evaluated loan applications for affordability and conformance with underwriting guidelines.

• Increased review accuracy by implementing a comprehensive training program for new reviewers.
• Conducted in-depth research to strengthen the overall quality and credibility of each review.
• Assisted management with identifying skill gaps among reviewers, developing targeted training programs aimed at boosting overall team performance.
• Reduced turnaround time for reviews by effectively prioritizing tasks and managing deadlines.
• Improved team productivity by streamlining document review processes.

• Resolved customer complaints, restoring confidence in services.
• Led team to meet project deadlines, ensuring tasks were delegated effectively.

I worked in Austrilian Mortgage as Docreviewer, where in we Check borrower signed document package to check all documents signed properly & notarized properly before Funding