Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Generic

Edwin Noronha

Mumbai

Summary

Dynamic Mortgage Underwriter at SitusAMC India with expertise in credit and income analysis. Proven track record of maintaining a 98% accuracy rate in service-level agreements while training junior underwriters. Skilled in data-driven problem solving and regulatory compliance, ensuring optimal loan assessments and client satisfaction.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Mortgage Underwriter

SitusAMC India
Mumbai
06.2021 - Current
  • Performed due diligence on closed loans, assessing risks based on credit ratings and borrowing histories.
  • Provided solutions for various 4C's service offerings through a unified platform.
  • Analyzed credit reports, income documentation, appraisals, and insurance policies to determine eligibility.
  • Reviewed tax returns and supporting documents to calculate self-employed income accurately.
  • Calculated qualifying income from diverse tax documents for salaried and self-employed borrowers.
  • Coordinated with insurance providers to validate necessary coverage for mortgage protection.
  • Maintained pipeline of 15–20 files daily, achieving over 98% accuracy in service-level agreements.
  • Trained junior underwriters and ensured quality control for high-value mortgage files.

Relationship Manager

Ocwen Financial Services Pvt. Ltd.
Mumbai
04.2014 - 06.2021
  • Resolved complex customer queries and complaints via phone and email, ensuring satisfaction and retention.
  • Promoted bank products such as insurance and home lines of credit to enhance client offerings.
  • Identified and forwarded upselling opportunities, including refinancing prospects, to the appropriate team.
  • Collected and analyzed data for financing requests submitted to Senior Management for approval.
  • Scheduled negotiations with clients to discuss loan terms and conditions effectively.
  • Coordinated processing of approved loans in compliance with bank policies and customer needs.
  • Mentored colleagues during floor walks to foster team development and knowledge sharing.
  • Managed pilot projects for new processes, contributing to operational improvements.

Tech Customer Service Executive

Tech Mahindra Business Services Ltd.
Mumbai
09.2013 - 04.2014
  • Facilitated resolution of network and handset technical issues by addressing customers' inquiries.

Senior Customer Service Executive

Sitel India Ltd.
Mumbai
06.2008 - 09.2013
  • Facilitated ticket sales and group bookings for various U.K. train services.
  • Resolved customer queries and complaints via email communication.
  • Prepared and processed orders, invoices, receipts, and quotations.
  • Maintained records of customer interactions and financial transactions.
  • Processed daily payments for group bookings efficiently.
  • Collaborated in establishing new processes within the department.
  • Coordinated with onshore teams in testing new web applications.
  • Achieved runner-up status for U.K. employee exchange program in 2014.

Education

Bachelor of Science - Chemistry

ST. XAVIER'S COLLEGE
Mumbai
03-2008

High School Diploma -

St. Anne's College
Mumbai
03-2005

Skills

  • Mortgage assessment and evaluation
  • Loan types expertise
  • Credit and income analysis
  • Regulatory compliance
  • Financial document review
  • Data analysis and transformation
  • Data-driven problem solving

Accomplishments

  • Awarded SitusAMC Star Performer for June and July 2024
  • Selected for the U.S. Employee exchange program in 2021
  • Runner-up for the U.K. employee exchange program in 2014.

Certification

Python for data science (Learnbay), Apr 2025

  • Gained hands-on experience in Python programming fundamentals, data structures, and libraries like Pandas, NumPy, Matplotlib, and Requests

Statistics and machine learning for data science, Learnbay, April 2025

  • Gained practical knowledge in descriptive and inferential statistics, probability, hypothesis testing, and regression analysis
  • Applied machine learning algorithms such as linear regression, decision trees, KNN, and clustering using Python and scikit-learn
  • Built end-to-end models on real-world datasets, including data preprocessing, feature engineering, model training, evaluation, and tuning
  • Learned model evaluation techniques, including accuracy, precision, recall, F1-score, and ROC-AUC

Timeline

Mortgage Underwriter

SitusAMC India
06.2021 - Current

Relationship Manager

Ocwen Financial Services Pvt. Ltd.
04.2014 - 06.2021

Tech Customer Service Executive

Tech Mahindra Business Services Ltd.
09.2013 - 04.2014

Senior Customer Service Executive

Sitel India Ltd.
06.2008 - 09.2013

Bachelor of Science - Chemistry

ST. XAVIER'S COLLEGE

High School Diploma -

St. Anne's College
Edwin Noronha