Nitin Kelageri

• A Certified individual who assesses borrower’s financial goals with respect to real estate financing and, after detailed analysis, provides solutions to meet those goals by acting as an intermediary with the appropriate lending source.
• Processing and underwriting the loans before submission to ensure 90% chance of approval
• Analyze applicant’s financial status, credit, and property evaluations to determine feasibility of granting loans
• Check loan agreements to ensure the completeness and accuracy, as per the policies
• Brokering new mortgage, collateral mortgage, line of credit, or other type of loan secured by real property.
• Analyzed customer’s income, assets, investments, and debt related information.
• Possesses complete understanding of multiple lenders underwriting criteria.

• Responsible for pre-underwriting Residential US Mortgages and recommending loans for approval on all residential properties
• Credit analysis based on borrower’s Income, assets, liabilities, and collateral (4C’s of Underwriting) to determine the credit worthiness of a customer.
• Analyze all loan documents for completeness and accuracy which include income, Assets, Credit, Collateral, Purchase Contracts, Title, and other required Documents and should provide approval or denial decisions.
• Thorough income calculation – salaried income, business income, retired other income and rental income.

* Day to day activities involved analyzing the risk associated to property & ensure all risk is covered under policy.

*Understanding and ascertain Risk in funding a mortgage profile. Particularly the risk associated to property with respect to natural calamities.

*We ensure all the risk is covered in insurance policy submitted by borrower. Constant Co-ordination with Home Loan Processors and Home Loan Underwriters responding to their queries through mails.