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