Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
Generic

DIVYA KANNIYAPPAN

Chennai

Summary

5years' experience in the mortgage industry. My experience in the mortgage industry includes underwriting, funding, closing and documentation review.

Overview

6
6
years of professional experience

Work History

Senior Analyst

Barclays Global Service Centre Private Limited
07.2022 - Current
  • Performed the role of a senior mortgage underwriter for Barclays UK, with the primary responsibility of analyzing, assessing and sanctioning /declining mortgage applications up to a value of £700,000
  • Determining the credit worthiness of an applicant, and liaising with a property surveyor to determine the value of the property
  • Determining Income of the Borrower through Pay slips, tax calculation (SA302), P60's and HMRC tax awards
  • Verify accuracy of information provided by applicants
  • Assess the borrower's ability to repay the loan
  • Meet, waive, and add necessary conditions
  • Prepare written rationalization for underwriting decision of Credit and Income Approval/Approve/Decline based loan documents received.

Senior Analyst

Situs Amc India Private Limited
08.2021 - 06.2022
  • Responsible for underwriting residential loans ensuring compliance with appropriate company and secondary market standards
  • Perform full loan review to cover aspects of Capacity and Capital to determine borrower eligibility
  • Analyze employment profile, credit strength, property characteristics and all other information pertinent to the income and asset process on each mortgage application
  • Determining Income of the Borrower through Paystubs, Tax returns, W2 and all other documents
  • Verify whether borrower meets all the asset requirement
  • Reviewing the documents and satisfying underwriter conditions
  • Review loan specific guidelines to stay up-to-date with all requirements.

Senior Process Associate

Xome Services India Private Limited
07.2018 - 08.2021
  • Master Settlement Statement (Reviewing documents for Settlement statement)
  • Verifying Closing documents (Mock CD, Payoff, Commitment, Tax cert, Subordinations etc.)
  • Promoted to the role of Senior Process Associate with primary responsibilities of handling Prebalancing and Funding.

Education

Bachelor Of Commerce - Commerce

Madras Christian College
Chennai
03.2018

Skills

  • Decision Making
  • Flexibility and adaptability
  • Time Management
  • Analytical and critical thinking
  • Loan Underwriting and approval

Accomplishments

  • 2019 Best Performer Award at Xome Services India Private Limited
  • 2020 Best performer award for quarter at Xome Services India Private Limited

Languages

English
Tamil

Timeline

Senior Analyst

Barclays Global Service Centre Private Limited
07.2022 - Current

Senior Analyst

Situs Amc India Private Limited
08.2021 - 06.2022

Senior Process Associate

Xome Services India Private Limited
07.2018 - 08.2021

Bachelor Of Commerce - Commerce

Madras Christian College

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