Summary
Overview
Work History
Education
Skills
Timeline
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Mithilesh Shukla

Mithilesh Shukla

Summary

Senior Analyst with expertise in Conventional, FHA and VA Loans. Recognized for exceptional skills in risk assessment, income/credit analysis, and documentation review. Consistently praised for timely and accurate completion of compliant loan packages. Seeking new opportunities in Mortgage Underwriting.

Overview

12
12
years of professional experience

Work History

Senior Analyst

XL Dymamics India Pvt Ltd.
06.2014 - 12.2022
  • Reviewed the eligibility of borrowers for mortgage loans based on the U.S Department of Housing and Urban Development (HUD) guidelines for our partner Sun West Mortgage Company Inc.
  • Review credit report in order to verify borrower liabilities and credit histories such as current accounts, delinquent accounts, charge off accounts, collection accounts, and derogatory events such as bankruptcy, foreclosure, short sale, and judgment
  • Analyze income using documents such as W2s, and pay stubs
  • Running DU/LPA to make decision to suspend, approve, or manually underwrite the loan using AUS recommendations
  • Provide training and shadow session to new team members and perform quality check of the work done by them and provide feedback
  • Perform OFAC and AML/KYC checks to identify and mitigate red flags during loan underwriting process
  • Review hazard insurance, flood insurance, and homeowners association (HOA) documents and update the system to ensure housing expenses are correctly impounded and included in the debts to income ratio.

Relationship Manager

IndusInd Bank Ltd.
08.2013 - 05.2014
  • Worked as Relationship Manager in IndusInd Bank Ltd
  • Achieving the business targets assigned in terms of cross selling, enhancing relationship with client
  • Establishing improved client communication & maintaining ongoing relationship.

Assistant Branch Manager

Axis Bank Ltd.
06.2011 - 06.2012
  • Responsible for branch operations & complying with audit guidelines
  • Responsible for cash receipts, deposits, payments and cash balancing
  • Daily Report generation and proper filing of them
  • Monitoring cash and other transactions of the branch
  • Retention and enhancement of the value of existing accounts of current & saving account customers.

Education

MBA/PGDM -

Unitedworld School of Business, Ahmedabad
03.2011

B.Com -

Veer Narmad South Gujarat University (VNSGU)
03.2008

Skills

  • Analytical Skills
  • Quick Learner
  • Team-oriented and result driven

Timeline

Senior Analyst

XL Dymamics India Pvt Ltd.
06.2014 - 12.2022

Relationship Manager

IndusInd Bank Ltd.
08.2013 - 05.2014

Assistant Branch Manager

Axis Bank Ltd.
06.2011 - 06.2012

MBA/PGDM -

Unitedworld School of Business, Ahmedabad

B.Com -

Veer Narmad South Gujarat University (VNSGU)

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Mithilesh Shukla