Summary
Overview
Work History
Education
Skills
LANGUAGES
DECLARATION
Timeline
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MOHAMED IMTHIYAS

CHENNAI

Summary

I am a result oriented professional, having a flair for creativity and innovation; effective time management skills; troubleshooting and problem-solving abilities and am looking for a challenging position where I can deploy and use My knowledge and experience in the best possible method.

Overview

6
6
years of professional experience

Work History

Senior Mortgage Underwriter

Wells Fargo, NA
02.2024 - Current
  • Analyzed and underwrite mortgage loan files by thoroughly verifying borrower credit reports, income documentation (W-2s, paystubs, tax returns), and asset statements to ensure compliance with investor and regulatory guidelines (Fannie Mae, Freddie Mac).
  • Conducted comprehensive risk assessments and applied sound judgment to determine borrower eligibility, calculating debt-to-income (DTI) and loan-to-value (LTV) ratios to support loan decisions.
  • Made final loan decisions by approving, suspending, or declining files based on complete evaluation of financial documents and underwriting criteria.
  • Collaborated with loan officers, processors, and compliance teams to resolve outstanding conditions and ensure timely and accurate loan closings.
  • Maintained productivity and quality standards while adhering to internal underwriting policies and meeting strict deadlines in a high-volume environment.

LIVE UNDERWRITER

MPHASIS PRIVATE LIMITED
01.2024 - 02.2025
  • Working in Live Underwriting - Reviewed all documents related to 4'C (Credit, Capacity, Collateral, Capital.)
  • Expertise in Conventional loans (Fannie Mae, Freddie Mac & Manual Underwriting).
  • Experience in end to end on pre-underwriting and post-underwriting.
  • Reviewed wage earner income, rental income, other income.
  • Taking the final call of the loans.
  • Verifying borrower's Credit worthiness, Asset, Capital, Income and Collateral
  • Ensure compliance with regulatory standards, company policies and guidelines
  • Return applications with additional document requirement to the loan officer for review

MORTGAGE UNDERWRITER

WIPRO PRIVATE LIMITED
02.2021 - 07.2023
  • Have good hands-on Experiences in 4C's of US Mortgage Underwriting in Both Automated and Manual
  • Expertise in Conventional, FHA, VA, USDA& Fannie Mae Loans
  • Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review
  • Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages
  • Work collaboratively with team members to drive deals to successful funding and close
  • Expertise in creating SOPs for pilot projects and created SOP for current project
  • Forwarding and escalating inquiries to relevant individuals and departments
  • Contacting Client to give them accurate feedback on progress on their inquiries
  • Responding to clients from different countries
  • Updating client information as required

MORTGAGE UNDERWRITER

ACCENTURE PRIVATE LIMITED
10.2019 - 01.2021
  • Having good knowledge about underwriting in US Banking Residential ortgage.
  • Completed 90 days of Academic training and got 96% in US Mortgage underwriting and worked on National Mortgage Insurance.
  • Having good knowledge of deep analyzing of loan.
  • Having knowledge of Fannie Mae and Freddie Mac guidelines.
  • Maintaining confidentiality of information
  • Performing other duties as need arises
  • Consistently commended for timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality
  • Skills & expertise with - Lending & Underwriting Guidelines, credit and income analysis loan to value ratios, Debt to Ratios, conventional & government mortgages.

Education

HSE -

KENDRIYA VIDYALAYA

MASTER OF COMPUTER APPLICATION - undefined

MOHAMED SATHAK COLLEGE OF ARTS AND SCIENCE
01.2019

BACHELOR OF COMPUTER APPLICATION - undefined

MOHAMED SATHAK COLLEGE OF ARTS AND SCIENCE
01.2016

SSLC - undefined

A R J PUBLIC SCHOOL
01.2014

Skills

  • Expertise in MS-Office
  • DTP
  • Operating Systems
  • Loan documentation
  • Credit analysis
  • Innovating new Ideas
  • Doing work with different ideas
  • Documents handling
  • Capable of Handling Individual Team
  • Work under pressure and completing work on timelines

LANGUAGES

English - Fluent
Hindi - Intermediate
Arabic - Beginner

DECLARATION

I hereby declare that the details furnished above are true to the best of my knowledge.

Timeline

Senior Mortgage Underwriter

Wells Fargo, NA
02.2024 - Current

LIVE UNDERWRITER

MPHASIS PRIVATE LIMITED
01.2024 - 02.2025

MORTGAGE UNDERWRITER

WIPRO PRIVATE LIMITED
02.2021 - 07.2023

MORTGAGE UNDERWRITER

ACCENTURE PRIVATE LIMITED
10.2019 - 01.2021

MASTER OF COMPUTER APPLICATION - undefined

MOHAMED SATHAK COLLEGE OF ARTS AND SCIENCE

BACHELOR OF COMPUTER APPLICATION - undefined

MOHAMED SATHAK COLLEGE OF ARTS AND SCIENCE

SSLC - undefined

A R J PUBLIC SCHOOL

HSE -

KENDRIYA VIDYALAYA
MOHAMED IMTHIYAS