Mahesh Sharma
Senior Analyst
Varanasi
Summary
- Strategic and results-oriented analyst with over 10 years' of experience in the mortgage industry and proven track record of success in credit underwriting, enhancing efficiency and delivering exceptional user experience.
- Expertise in reviewing income (wage earner), assets, credit and risk.
- Adept at collaborating with cross-functional teams, including senior management, operations department heads, and product and operational teams, to identify and implement operational improvements.
- Exceptional communication and presentation skills with the ability to articulate complex product concepts and strategies to both technical and non-technical audiences.
- Abilities in handling multiple priorities, with a bias for action and a genuine interest in personal and professional development.
- Team player with strong analytical and leadership skills.
- Experienced in training Underwriting Analysts and enhancing processes based on performance insights, while ensuring compliance with US mortgage regulatory updates.
Overview
10
10
years of professional experience
2
2
Languages
Work History
Senior Analyst
XL Dynamics India Private Limited
03.2015 - Current
⦁ Consistently delivering towards production target by evaluating mortgage loan requests in order to approve or deny applications by analyzing employment profile, credit strength, property characteristics, and all other information pertinent to the mortgage application.
⦁ Reviewing financial documents ensuring all liabilities, income and assets are verified. Proficiency in automated underwriting systems (DU & LP) for Conventional loans.
⦁ Review, evaluate and synthesize data to ascertain loan viability and identify risk issues, potential fraud and early payment default.
⦁ Reviewing financial documents and analyzing layered risk in a particular mortgage which includes checking of agency and lender guidelines and performance risk (repayment ability).
⦁ Determine & document loan conditions and communicate requirements and/or decisions to clear loan conditions and expedite loan closing.
⦁ Contributing towards the training and development of Underwriting Analysts and based on the findings; update and improve the process to fill the gap.
⦁ Tracking the new updates and regulatory changes related to US Mortgage and assist in implementing the same into our process.
⦁ Also review and advise options for Non QM loans and broker out to other investors as per there guidelines.
Education
MBA - Finance
ITM UNIVERSITY
MUMBAI 04.2001 -
Bachelor of Technology - Mechanical Engineering
Raj Kumar Goel Institute Of Technology
Ghaziabad, India 04.2001 -
XII -
Sant. Atulanand Convent School
Varanasi, India 04.2001 -
X -
Guru Nanak English School
Varanasi, India 04.2001 -
Skills
- Analytical thinking
- Risk analysis and management
- Process improvement strategies
- Communication and Presentation
- Effective leadership
- Project Management
- Process optimization
- Effective time management
Timeline
Senior Analyst
XL Dynamics India Private Limited
03.2015 - Current
MBA - Finance
ITM UNIVERSITY
04.2001 -
Bachelor of Technology - Mechanical Engineering
Raj Kumar Goel Institute Of Technology
04.2001 -
XII -
Sant. Atulanand Convent School
04.2001 -
X -
Guru Nanak English School
04.2001 -
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