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
Chennai03.2018
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
Similar Profiles
Ch Sai PhaneendraCh Sai Phaneendra
Assistant Manager at Barclays Global service centre private limitedAssistant Manager at Barclays Global service centre private limited
VARUN MAHADEVANVARUN MAHADEVAN
Market Risk Business Analyst at Barclays Global Service Centre Private LimitedMarket Risk Business Analyst at Barclays Global Service Centre Private Limited
Sankar MaharajSankar Maharaj
Team Manager at BARCLAYS GLOBAL SERVICE CENTRE PRIVATE LIMITEDTeam Manager at BARCLAYS GLOBAL SERVICE CENTRE PRIVATE LIMITED
MOHAN RAJ. NMOHAN RAJ. N
Clinical Documentation Specialist at Acuity Solutions India Pvt Ltd (An IKS Health Company) | Client: Coastal MedicalClinical Documentation Specialist at Acuity Solutions India Pvt Ltd (An IKS Health Company) | Client: Coastal Medical
DINESH KUMAR SDINESH KUMAR S
Associate Zonal Head - Ninjamandi at NinjacartAssociate Zonal Head - Ninjamandi at Ninjacart