Jayesh Matkar
Mumbai
Summary
US Mortgage professional with 8+ years of experience in mortgage origination and document review, supporting pre-underwriting and underwriting-ready loan file preparation. Strong expertise in income, asset, credit, and collateral review, AUS (DU/LP) findings interpretation, FNMA/FHLMC guideline compliance, Loan Estimate (LE) sending, TRID compliance awareness, and Quality Control (QC) support. Proven ability to identify risk, ensure documentation accuracy, and reduce underwriting rework. Seeking an Underwriter / Underwriting Support role with growth into live underwriting.
Overview
9
9
years of professional experience
Work History
Us Mortgage Loan Processer
Tata Consultancy Services
Mumbai
09.2014 - 04.2023
- Reviewed US mortgage loan files for accuracy, completeness, and FNMA/FHLMC compliance prior to underwriting
- Validated income, asset, credit, and collateral documentation including paystubs, W-2s, tax returns, bank statements, credit reports, and appraisal reports
- Performed income consistency checks and supported accurate DTI validation
- Reviewed bank statements to verify down payment, closing costs, reserves, and identify large or unusual deposits
- Interpreted DU / LP findings and ensured all documentation conditions were satisfied
- Identified red flags and layered risk and escalated findings to underwriting teams with proper documentation
- Prepared underwriting-ready loan files, reducing rework and improving turnaround time
- Supported Loan Estimate (LE) preparation and sending in compliance with TRID timing and accuracy requirements
- Assisted in pre-funding and post-closing Quality Control (QC) reviews to identify defects and compliance gaps
- Maintained high quality standards while consistently meeting SLA / TAT targets
- Collaborated with processors, loan officers, underwriters, and QC teams to resolve conditions and missing documentation
Education
Bachelor of Commerce -
Chetana's H.S College of Commerce And Economics
Mumbai06-2014
Higher Secondary Certificate - Commerce
Chetana's H.S College of Commerce And Economics
Mumbai07-2011
Skills
- US Mortgage Origination & Document Review
- Underwriting Support & Pre-Underwriting
- Income Analysis
- Credit Report Review & Liability Analysis
- Asset & Reserve Verification
- Appraisal & Property Review
- DU / LP Findings Review
- FNMA / FHLMC Guidelines
- TRID Compliance Awareness
- Loan Estimate (LE) Preparation & Sending
- Quality Control (QC) – Origination
- Risk Identification & Compliance Focus
Languages
- English
- Marathi
- Hindi
AVAILABILITY & PREFERENCES
- Open to US shifts / night shifts
- Flexible with work-from-office or hybrid models
- Immediate to short-notice joiner
Timeline
Us Mortgage Loan Processer
Tata Consultancy Services
09.2014 - 04.2023
Bachelor of Commerce -
Chetana's H.S College of Commerce And Economics
Higher Secondary Certificate - Commerce
Chetana's H.S College of Commerce And Economics