Matam Jhansi

• Review the documents and indexing as per the document.
• In this process we have two types of documents.They are:
• Critical Document.
• Non-Critical Document.
• Totally,We have 82 critical documents and rest of them non critical documents.
• Some the critical documents are listed below.
• Deed of trust.
• Warrenty deed.
• Quit claim Deed.
• Credit Report.
• Appraisal Report.
• Fraud Report.
• Title Commitment.
• Title Policy.

• Pay History.
• Mortgage statement.
• Bank Statement.
• Tax information sheet .
• Uniform Residential Loan Application(10-O3).
• Sales Contract and Purchase Order.
• Closing Disclosure.
• Some of the Non-critical documents are listed below.
• Indenture
• *Allong To Note
• Escrow Instruction
• Esign Audit
• Econsent
• Automated Valution t
• Hold Harmless Agreement
• Subordination Agreement
• In this process we have 4 channels.
• ACQ
• CCRLO
• PC
• WHSLE
• Depending upon the time tag above channel are indexed .This time tag is monitored by
Team Leader and assign channels to the associates based on the time tag .

2. Company :Nexval infotech Pvt Ltd (payroll Stackvia Technologies Pvt Ltd)
Position : Analyst.
Incumbency : Nov-2016 to Dec -2020.
Roles and Responsibilities:
01. Pre-Underwriting:
• Reviewing loans as per Fannie Mae, Freddie Mac guild lines and Clint requirements.
• Experience includes reviewing, analysing and conditioning the credit, income and asset worthiness of
all borrowers for Conventional, FHA, VA and RHS Loans.
• Reviewing of AUS, Appraisal report, Sales contract, Title commitment, borrower identification,
property Taxes, property insurance, Loan Estimate, Intent to proceed and all other required
documents initial 1003.
• Calculating borrower Salaried income (Base, Overtime, Bonus Income)
• Calculating the Rental, SSI, Pension, Child support income.

• Calculating Self-employment income from Tax Returns Like 1040/Schedule-C, 1120, 1120s, 1065 and
all other self-employment income.
• Verifying Assets from Bank statement, VOD or other supporting documentation for closing and
reserves purpose.
• Verifying bank statement for to verify available balance and large deposits
• Reviewing Credit Report to verify liabilities, bankrupts, foreclosure, judgments, public records, inquire
and additional address.
• Preparing the Daily, Monthly Production reports.

• Experience in US mortgage post closing domain
• Handling all types of customer documents involved in the US Mortgage, it is the process where we need check the all the necessary documents
• Checks for any missing documentation required to close the loan file
• Validates mortgage insurance coverage and certificate ensure it is reflected correctly
• Assigning the files balancing the CDs along with the title fee sheet and mortgage documents and checklists
• Co-ordinating with the clients tracking and following on requests and identifying those of importance which require immediate attention
• Verifying the relevant documents and review the signature for loan processings and meeting the daily targets with 100% accuracy
• Handling all types of loans like commercial loans, industrial loans, conventional financing and loans for citizens, loans for government employees
• Have been giving industrial loans for the industries with collateral securities and before giving the loan we can verify the bank statements, and income statements, financial statements, place of address in country
• Different types of loans will give to the senior citizens, military people and providing housing loans, term loans etc
• Verifying the documents like check for borrower name, address, loan account number, loan amount and closing date funding date etc
• Checking for any missing document required to close the loan file, moving all the files to funding department for the audit purpose
• Resolving all types of queries pertaining to the mortgage loan process.