Muthu C
Chennai
Summary
Experienced and highly skilled underwriter with a strong background in the financial services industry. Proficient in assessing risk levels for lenders using advanced mathematical and statistical techniques. Committed to upholding industry standards, underwriting guidelines, and authority levels for accurate and reliable evaluations. Dedicated to delivering meticulous underwriting assessments that contribute to the success of financial institutions.
Overview
11
11
years of professional experience
Work History
Underwriter
SitusAMC India Pvt Ltd.
06.2021 - Current
- Made approval and denial recommendations by determining accurate risk levels.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Senior Underwriter
Wipro
11.2020 - 06.2021
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Developed comprehensive underwriting guidelines that reduced inconsistencies and improved overall portfolio quality.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
Underwriter
Mphasis
10.2019 - 11.2020
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Senior Associate
DFTTECH
05.2018 - 09.2019
- Negotiated favorable contract terms with vendors, leading to significant cost savings while maintaining product quality and timely delivery.
- Cultivated a culture of continuous improvement by promoting open communication channels for feedback from all levels within the organization.
- Effectively managed multiple competing priorities while maintaining focus on delivering exceptional results for clients and the organization.
- Implemented process improvements that led to significant time savings and increased accuracy in deliverables.
Pre-Underwriter
Accenture Solutions Private
01.2016 - 04.2018
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Made approval and denial recommendations by determining accurate risk levels.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Executive Officer
T&M Services
07.2013 - 07.2014
- Managed complex projects from inception to completion, ensuring timely delivery within budget constraints.
- Established foundational processes for business operations.
- Generating account numbers for Savings, Current, TD and RD.
- Validating KYC details.
Education
BBA -
Thiruthangal Nadar College
MBA -
Madras University
ITI -
Kumaran ITI
Skills
- Conventional, FHA, VA FNMA & FHLMC Loans (Purchase & Refinance)
- Analysis of Income and Credit Profile of borrowers
- Analysis of Appraisal Reports, Title and Collateral documents to assess property
- Perform credit appraisal, financial analysis and risk assessment of credit proposals
- Reviewing & Validating AUS Finding, Credit report, Income docs, Assets and Liability docs along with appraisal review
- Working knowledge of Front End & Back End DTI calculation along with LTV/CLTV calculation and Income calculation
- Working knowledge of 1003, 1008, AUS, LP, Closing Disclosure, Loan Estimate, Appraisal report, Credit report, Title report, CPL, HOI, Flood Cert, Note, etc documents
- Working knowledge of Bankruptcy, Foreclosure and Short Sale Full examination of loan documentation to ensure accuracy and completeness
- Working knowledge of FG, Disaster review, State disclosures (TNB)
Additional Work
- Team work and Collaboration
- Work Planning and Prioritization
- Quality Improvement
- Overseeing Daily Activity
- Verbal and Written Communication
- Team Supervision
- People Management
LOS Worked
- Mphasis: - Encompass
- Accenture: - Citrix Receiver, Reflection, ACAPS, DM Portal
- Wipro: - EDMS, Lakewood
Languages
Tamil
English
Tools
T&M Services, Citrix Receiver, Oracle, Reflection Finacel, ACAPS, DM Portal, Wipro, AWS, Encompass EDMS, Lakewood
Personal Information
- Age: 33
- Father's Name: A Chellaiah
- Mother's Name: C Sornamani
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Dob
12/16/1989
Children
2
Extracurricular Activities
Typing - (30-40/min) Sports - Won Cricket & Chess with Certificates and Cups
Hobbies and Interests
- Cricket
- Chess
- Reading
- Learning
- Listening Music
Disclaimer
I hereby declare that the particulars furnished above are true & correct to the best of my knowledge.
Timeline
Underwriter
SitusAMC India Pvt Ltd.
06.2021 - Current
Senior Underwriter
Wipro
11.2020 - 06.2021
Underwriter
Mphasis
10.2019 - 11.2020
Senior Associate
DFTTECH
05.2018 - 09.2019
Pre-Underwriter
Accenture Solutions Private
01.2016 - 04.2018
Executive Officer
T&M Services
07.2013 - 07.2014
BBA -
Thiruthangal Nadar College
MBA -
Madras University
ITI -
Kumaran ITI
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