Nishant Singh
Associate in Operations
Gautam Buddha Nagar
Summary
I am looking to work within an existing firm that offers a U.S. mortgage process, Credit and Lending operation, Data analyst, and KYC process role full of challenges, growth, smart learning, and an opportunity to contribute towards the organization's success with hard work.
I am a US mortgage process professional with over 2+ years of experience in the underwriting process. I am skilled at methodically evaluating loan files to ensure precision and adherence to rules. Capable of evaluating income, assets, loan documents review, credit records, title report, property appraisals and insurance policy review to make well-informed loan decisions. Skilled in navigating the complexities of numerous mortgage guidelines and policies, including those for VA, FHA, FNMA, FHLMC, and USDA loans. I am excited to support the growth of a forward-thinking lending institution with superior analytical abilities and unwavering dedication to quality. I have established a varied collection of talents, including, MS Office,Zendesk,ZIRA,Confluence Encompass, Salesforce, Google Sheets, NWMLS, Slack, Zip-form, DocuSign, that will exceed expectations for the role.
Overview
5
5
years of professional experience
9
9
years of post-secondary education
2
2
Certifications
Work History
Condition Reviewer
WNS Global Services
1 2024 - Current
- Review and analyze the mortgage loan application form -1003 to ensure eligibility, accuracy, completeness and compliance with internal and regulatory rules to reduce risk factors
- Knowledge of residential mortgage- Credit Bureau, Documents to approve the loan, familiar with different account types
- Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investors and the company
- Review all the documents related to the borrower's Credit, Capacity, Collateral and Capital
- Calculate assets required for closing and reserve purposes for the transaction
- Collaborate with team members to ensure efficient loan processing and exceptional customer service
- In-depth analysis of credit reports of individuals and determining their credit depth with a major focus on credit history, tradeline, public records, Alerts, and Inquiries
- Responsible for the various verifications to determine the authenticity of mortgage documents
- Good knowledge about US Mortgage (FHA, VA, Fannie Mae, Freddie Mac guidelines)
- Calculation of correct income & assets (1003, paystubs, W2, Income tax returns, credit report and bank statements
- Review of Judgments and liens, bankruptcy, foreclosure, refinance, cash to close, appraisal report and preliminary title report.
Operation Associate
Flyhomes Residential India Pvt. Ltd.
03.2022 - 12.2023
- Review and analyze the mortgage loan application form -1003 to ensure eligibility, accuracy, completeness and compliance with internal and regulatory rules to reduce risk factors
- Knowledge of residential mortgage- Credit Bureau, Documents to approve the loan, familiar with different account types
- Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investors and the company
- Review all the documents related to the borrower's Credit, Capacity, Collateral and Capital
- Calculate assets required for closing and reserve purposes for the transaction
- Collaborate with team members to ensure efficient loan processing and exceptional customer service
- In-depth analysis of credit reports of individuals and determining their credit depth with a major focus on credit history, tradeline, public records, Alerts, and Inquiries
- Responsible for the various verifications to determine the authenticity of mortgage documents
- Good knowledge about US Mortgage (FHA, VA, Fannie Mae, Freddie Mac guidelines)
- Calculation of correct income & assets (1003, paystubs, W2, Income tax returns, credit report and bank statements
- Review of Judgments and liens, bankruptcy, foreclosure, refinance, cash to close, appraisal report and preliminary title report.
- Oversaw daily operations, ensuring timely completion of tasks and adherence to company policies and procedures.
Relationship Officer
Axis Bank Ltd On Payroll Of Quess Corp. Ltd.
09.2021 - 03.2022
- Managed end-to-end loan application processes, from initiation to approval
- Maintained accurate and organized records of all credit transactions
- Collaborated with cross-functional teams to expedite credit approvals
- Analyze financial documents and credit reports to determine creditworthiness
- Conduct credit assessments and analyze financial statements
- Prepare loan documents and coordinate loan disbursements
- Instrumental in handling branch sales queries, with timely submission of MIS and audit compliance reports, and regularly meeting with the sales team to discuss the results of the analysis
- Monitor loan repayments and credit risk, maintain accurate credit records and update customer profiles
- Collaborate with other departments, such as underwriting and collections, to ensure smooth credit operations
- Receive and review credit applications, verify customer information and required documentation
- CIBIL report generated and checked, identifying the authenticity of clients, and tracking previous loan referral analysis and decision for good and bad matches
- Monitoring key scheduled events throughout the life of the loan: Interest Payment Date, Maturity Date, Financial Statements, loan cycle, and Insurance Requirement.
- Coordinated with compliance officers to ensure adherence to regulatory guidelines in all client interactions and transactions.
- Established strong client relationships by conducting regular meetings and providing exceptional customer service.
- Promoted a positive work environment through open communication, fostering collaboration among team members.
Business Development Executive
HDB Financial Services, HDFC Bank
08.2019 - 09.2021
- Managed end-to-end loan application processes, from initiation to approval
- Maintained accurate and organized records of all credit transactions
- Collaborated with cross-functional teams to expedite credit approvals
- Analyze financial documents and credit reports to determine creditworthiness
- Conduct credit assessments and analyze financial statements
- Prepare loan documents and coordinate loan disbursements
- Instrumental in handling branch sales queries, with timely submission of MIS and audit compliance reports, and regularly meeting with the sales team to discuss the results of the analysis
- Monitor loan repayments and credit risk, maintain accurate credit records and update customer profiles
- Collaborate with other departments, such as underwriting and collections, to ensure smooth credit operations
- Receive and review credit applications, verify customer information and required documentation
- CIBIL report generated and checked, identifying the authenticity of clients, and tracking previous loan referral analysis and decision for good and bad matches
- Monitoring key scheduled events throughout the life of the loan: Interest Payment Date, Maturity Date, Financial Statements, loan cycle, and Insurance Requirement.
- Conducted competitor analysis to identify gaps in the market and capitalize on untapped opportunities.
- Delivered presentations at industry conferences, raising company profile and attracting potential clients.
- Created compelling proposals that demonstrated the unique value of our products/services while addressing client needs and expectations.
- Negotiated contracts with key stakeholders, resulting in favorable terms for the company and long-term partnerships.
- Fostered a positive work environment that encouraged open communication among team members, promoting collaboration toward achieving shared goals.
Education
Master of Commerce - Finance and Marketing
C.S.J.M University UP
Kanpur Uttar Pradesh 07.2014 - 07.2017
Bachelor of Commerce -
Lucknow University
Lucknow Uttar Pradesh 07.2007 - 07.2011
12th Standard -
Government Inter College Pipri
Pipri Sonbhadra Uttar Pradesh 07.2006 - 07.2007
10th Standard -
Bhavan's K.D.K.V.M
Renukoot Sonbhadra Uttar Pradesh 07.2006 - 07.2007
Skills
Proofreading
Certification
NWMLS- Northwest Multiple Listing Service, Washington in 2022.
Known Languages
- English
- Hindi
Personal Information
- Date of Birth: 04/01/1989
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby certify that the information furnished above is true and to the best of my knowledge and belief. Thank you.
Timeline
Operation Associate
Flyhomes Residential India Pvt. Ltd.
03.2022 - 12.2023
NWMLS- Northwest Multiple Listing Service, Washington in 2022.
03-2022
Relationship Officer
Axis Bank Ltd On Payroll Of Quess Corp. Ltd.
09.2021 - 03.2022
Business Development Executive
HDB Financial Services, HDFC Bank
08.2019 - 09.2021
Master of Commerce - Finance and Marketing
C.S.J.M University UP
07.2014 - 07.2017
Bachelor of Commerce -
Lucknow University
07.2007 - 07.2011
12th Standard -
Government Inter College Pipri
07.2006 - 07.2007
10th Standard -
Bhavan's K.D.K.V.M
07.2006 - 07.2007
Condition Reviewer
WNS Global Services
1 2024 - Current
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