Gopi B
Chennai
Summary
Over 10 years of progressive experience in US residential Mortgage ( Underwriting, Post Closing Audit, Initial disclosure and Re-disclosure).
Overview
11
11
years of professional experience
Work History
Junior Underwriter
SitusAMC
10.2021 - Current
- Underwriting the mortgage file in compliance to the lender's guidelines and 4C’s of mortgage (Credit, Capacity, Capital and Collateral). Reviewing Tri-merged Credit Reports from Equifax, Transunion and Experian.
- Reviewing and validating all kinds of salaried and non-salaried incomes. Income documents such as Paystubs, W-2s, WVOE, VVOE, SSA-1099, 1099-R, Award letters, Individual Tax returns (Form 1040), along with schedules and Tax filing extension forms.
- Reviewing all types of Asset documents (Checking, Savings, Retirement and Investment accounts).
- Reviewing the Credit Report to find the Borrower Information and SSN, and Credit Scores, Tradeline of debts like (Mortgage account, Revolving Account, Installments Account, Open Account, Derogatory).
- Reviewing Appraisal, Purchase contract, Tax documents, Legal documents, Citizenship and Identity documents.
Senior Analyst - US Mortgage
Mphasis - Digital Risk
11.2019 - 11.2021
- Reviewing the documents like Appraisal Invoice, Paystub, W-2, WVOE, Credit Report, 4506-C and Purchase Contract.
- Reviewing the documents to clear the conditions and the Underwriting documents.
Senior Analyst - US Mortgage
Tata Consultancy Services (MR. Cooper)
04.2018 - 11.2019
- Review the documents required for the Pre-Purchase Audit review.
- Review the Closing Disclosure, Promissory Note, Security Instrument, and First Payment Letter to close the loan value at Funding.
Loan Process Associate
Accenture Solutions Pvt.Ltd
08.2014 - 02.2018
- Worked predominantly in a process called Post-Closing Audit for US Mortgage. Includes working in conventional loans of third-party origination (correspondent and wholesale Loans) and the Retail channel. Worked in Retail government loans (FHA, VA and GRH).
- Analyzing all the required fields LE (Loan Estimate) and ensure that the document printed was with a cash to close where the borrower needs to pay or needs to get for the loan at closing, respectively to the transaction type.
- Finding the borrower required changes like the loan amount, extension of the interest rate. Updating the fees in the loan estimate screen. Creating LE and sending the package to the borrower with the required changes.
Education
MBA - Finance And Marketing
Guru Nanak College
Chennai, India05-2014
Bachelor of Arts - Commerce
University of Madras
Chennai05-2012
Skills
- Strong analytical skills
- Team Work
- Adaptability
- Good Communication
Languages
Tamil
English
Timeline
Junior Underwriter
SitusAMC
10.2021 - Current
Senior Analyst - US Mortgage
Mphasis - Digital Risk
11.2019 - 11.2021
Senior Analyst - US Mortgage
Tata Consultancy Services (MR. Cooper)
04.2018 - 11.2019
Loan Process Associate
Accenture Solutions Pvt.Ltd
08.2014 - 02.2018
MBA - Finance And Marketing
Guru Nanak College
Bachelor of Arts - Commerce
University of Madras