DIKSHA SINGH
Noida
Summary
Dynamic Senior Underwriter with a proven track record at Kreditstack, excelling in risk assessment and compliance management. Recognized for achieving a 95% quality audit score, I leverage strong analytical skills and effective communication to enhance operational efficiency and mentor teams, driving continuous improvement in mortgage underwriting processes. Industrious senior underwriter skilled at meeting benchmarks for risk control and business profitability. Successful background working alongside agents to assist with marketing and sales objectives. Desiring to bring several years of related experience to a dynamic new role with room for advancement.
Overview
7
7
years of professional experience
Work History
Senior Underwriter
Kreditstack
Noida
04.2025 - Current
- Evaluated loan applications to assess risk and compliance with guidelines.
- Collaborated with sales teams to determine underwriting requirements for clients.
- Analyzed financial statements and credit reports to inform decision-making process.
- Communicated underwriting decisions clearly to stakeholders and clients.
- Mentored junior underwriters on best practices and risk assessment techniques.
- Streamlined processes for quicker turnaround on loan approvals and denials.
- Conducted training sessions on new underwriting software and tools for team members.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
Senior Associate - U.S. PennyMac Mortgage Underwriting
WNS Global Services
Gurugram
03.2021 - 03.2025
- Manage end-to-end mortgage closing process for U.S.-based clients, ensuring compliance with organizational and federal guidelines.
- Prepare, generate, and audit closing documents for Conventional, DU, LP, and VA loans.
- Liaise with title companies and loan processors via email for accurate and timely closures.
- Review HUD settlement statements and payoff documents for accuracy before sending to title companies.
- Update loan and borrower information in Encompass, ensuring 100% accuracy.
- Perform quality checks on loan files and title commitments to confirm readiness for closure.
- Provide floor support to team members, guiding them on escalations and process compliance.
- Maintain daily/weekly MIS reports in MS Excel and present quality audit results to management.
- Conduct peer reviews and assist in continuous process improvement initiatives.
- Recognized with 'Performance and Quality of Best Quarter' awards in Dec 2021, Feb 2022, and June 2022.
- Maintained an average QA score of 95%, exceeding organizational benchmarks.
- Led process improvement initiatives to enhance operational efficiency and effectiveness.
Associate - Bank of Ireland Project (UK Mortgage & Risk Operations)
HCL Technologies
Noida
11.2018 - 12.2021
- Processed business account applications for UK-based clients, ensuring compliance with KYC/AML guidelines.
- Performed second-level checks for customer validation, ensuring no bankruptcies, sanctions, or fraudulent activities.
- Secured necessary approvals for exceptions (high-risk customers, sanctioned countries, etc.).
- Ensured compliance with legal and regulatory requirements for all client onboarding cases.
- Conducted training sessions for new hires, covering process compliance, documentation review, and risk guidelines.
- Acted as Lean Development Agent, suggesting process improvement initiatives to management.
- Awarded 'Best Associate of the Quarter' and contributed to Best Quarter Team recognition.
- Reduced processing time by 10% through process optimization and training support.
Education
MBA - Human Resources Management And Operation
Bharti Vidyapeeth
Pune04-2025
Bachelor of Arts -
Chaudhary Charan Singh University
Meerut01.2018
12th -
Guru Nanak Girls Inter College
Saharanpur01.2015
10th -
Sophia Girls High School
Saharanpur01.2013
Skills
- US Mortgage Closing (DU, LP, VA Loans)
- Risk & Compliance Management
- Title Commitment Review
- Loan Processing & Quality Audit
- Regulatory Compliance (HUD, CFPB Guidelines)
- Process Training & Knowledge Transfer
- Encompass Software & MS Office Suite
- Data Validation & Reporting (MIS)
- Stakeholder & Client Communication
- Performance & Quality Improvement
- Encompass Loan Origination System
- MS Excel (VLOOKUP, Pivot Tables, Reporting)
- Quality Control Tools & Dashboards
- Loan Processing Software & CRM Tools
- Leadership & Team Support
- Client Communication & Relationship Management
- Problem-Solving & Decision-Making
- Active Listening & Collaboration
- Time Management & Multitasking
- Risk assessment
- Regulatory compliance
- Data analysis
- Team collaboration
- Customer relationship management
- Training and development
Timeline
Senior Underwriter
Kreditstack
04.2025 - Current
Senior Associate - U.S. PennyMac Mortgage Underwriting
WNS Global Services
03.2021 - 03.2025
Associate - Bank of Ireland Project (UK Mortgage & Risk Operations)
HCL Technologies
11.2018 - 12.2021
MBA - Human Resources Management And Operation
Bharti Vidyapeeth
Bachelor of Arts -
Chaudhary Charan Singh University
12th -
Guru Nanak Girls Inter College
10th -
Sophia Girls High School
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