JEEVAKUMAR C

Underwriting and Loan Processing Responsibilities.

• Conducted initial underwriting to assess the financial viability of real estate projects.
• Evaluated borrower entities and ownership structures to determine appropriate guarantors.
• Reviewed letters of intent for accuracy, completeness, and compliance with underwriting guidelines.
• Analyzed and valued loan applications based on established credit and risk criteria.
• Verified purchase contracts for property acquisition transactions.
• Ordered, tracked, and reviewed third-party reports, including title, insurance, appraisals, and flood certifications, ensuring timely completion.
• Coordinated flood insurance requests with TPOs when flood insurance was required.
• Reviewed credit reports and background checks to assess borrower risk.
• Pulled and analyzed property profiles from Chicago Title and Stewart Title.
• Cleared conditional approval items by collecting and validating documentation from TPOs against underwriting guidelines.

Appraisal and Property Analysis.

• Reviewed lease agreements and property management summaries for compliance and income validation.
• Assessed payoff statements to determine their applicability to transactions.
• Verified flood certificates and insurance coverage, as required.
• Reviewed appraisal reports to confirm accurate property valuations and met all criteria with guidelines. If it's subject to marked, then need to get 1004D from appraisal.
• Ordered environmental reports for commercial appraisals, and reviewed findings for elevated risk.
• Coordinated RSRA (Records Search with Risk Assessment) reports when environmental assessments indicated elevated risk.
• Compiled comprehensive property profiles for underwriting and reporting purposes.
• Evaluated property insurance coverage to mitigate lender risk.
• Reviewed real estate schedules and borrower track records for performance analysis.
• Ordered and reviewed ARR and AIVM reports.

Title and Closing Review

• Reviewed title commitments, preliminary reports, and supplemental reports to verify the borrower, property, loan amount, and lender details.
• Verified Closing Protection Letters (CPL) for compliance with lending standards.
• Reviewed tax certificates for accuracy and completeness.
• Examined errors and omissions (E&O) insurance policies to mitigate transactional risk.
• Validated wire instructions to ensure secure fund disbursement.
• Reviewed estimated closing statements for accuracy and completeness.
• Collected voided checks and bank statements to verify borrower financial stability.
• Compiled personal financial statements and guarantor documentation for loan approval.
• Reviewed identification documents for compliance and regulatory requirements.
• Analyzed credit and background reports to evaluate overall borrower risk.
• Processed loan files efficiently to support timely approvals and closings.

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Monitored pipelines to track and log status of loans.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Working in Toorak RTL & DSCR loan, In businesswire publish article about Toorak capital partners completes first rated Residential Transaction Loan Securitization I'm happy to be a part of it
• Reviewed appraisals and title documents to verify accuracy and completeness.
• Adding condition for missing documents & guidelines and overlays exceeding limits for the particular loan product

• Processed loans within various departments to achieve timely, accurate, and fair proceedings.
• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Monitored pipelines to track and log status of loans.

• Managed disbursements, cut and processed checks and mailed correspondence.
• Checked accuracy and completeness of all paperwork.
• Worked with warehouse banks to manage shipment of collateral documents.
• Completed post-closing quality control evaluations of originated mortgage loans