Parvesh Chauhan
Shimla
Summary
Detail-oriented professional with exceptional communication and interpersonal skills. Proven ability to analyze, approve, and underwrite complex consumer requests in US residential and commercial mortgage sectors, adhering to industry guidelines. Resourceful and adaptable, effectively resolving problems with tact and diplomacy. Committed to contributing to a growth-oriented organization by leveraging innovative solutions and maximizing potential.
Overview
10
10
years of professional experience
Work History
Senior Underwriter
Verity Global Solutions
Mumbai
02.2024 - Current
- Collaborated with loan originators and processors to gather documentation for underwriting.
- Inspected financial statements, credit information, and title data to complete underwriting processes.
- Analyzed mortgage industry trends to refine underwriting practices.
- Appraised collateral properties to assess acceptability as loan security.
- Ensured compliance with underwriting guidelines, government regulations, and company policies.
- Trained junior underwriters on loan underwriting processes and procedures.
- Monitored pipeline activity to facilitate timely processing of loans within service level agreements.
- Reviewed and modified loan agreements for adherence to federal and state regulations.
Operation Manager (TL Role)
VitaWerks Inc.
Remote
11.2022 - 01.2024
- Oversaw organizational functions, including strategic planning, budgeting, and policymaking.
- Achieved key performance indicators established by management team.
- Managed relationships with physicians, hospitals, and healthcare support staff within assigned territory.
- Maintained exceptional provider satisfaction through surveys and benchmarking data.
- Directed daily operations while leading Facility Account Managers and Nurse Champions.
- Developed and executed growth strategies to meet shift completion targets.
- Delegated tasks effectively to enhance team efficiency and productivity.
- Evaluated performance metrics to identify areas for improvement.
Manager
BMTG Advisors India Pvt Ltd
Gurgaon
09.2021 - 05.2022
- Supervised and led team of TLs and associates to achieve all SLAs in Mortgage Origination functions.
- Maintained daily, weekly, and monthly production and quality reports for performance tracking.
- Coordinated departmental activities with Sr. Manager and Director, enhancing workflow monitoring and process improvement.
- Recommended strategies and process improvements to add value for teams and upper management.
- Collaborated with internal support teams to ensure seamless operations for production teams.
- Resolved complex escalated queries and complaints from external and internal stakeholders.
- Coached, motivated, and developed team to deliver quality reports, exceeding operational targets.
- Monitored team performance and attendance; generated necessary reports using various tools.
Team Lead
WNS Global Services Pvt Ltd
Gurgaon
07.2020 - 09.2021
- Evaluated residential loan applications to assess credit worthiness and eligibility.
- Underwrote loans in compliance with company and agency guidelines, issuing credit decisions.
- Initiated pilot batch for underwriting process, enhancing operational efficiency.
- Streamlined processes to facilitate increased business across underwriting verticals.
- Maintained current knowledge of government regulations and investor requirements to ensure compliance.
- Managed a team of over 20 members, providing oversight and reporting to clients.
- Facilitated client interactions to promote seamless business transactions.
- Trained new associates in quality control processes until successful loan delivery.
Senior Process Associate
Tata Consultancy Services
Chennai
07.2018 - 03.2020
- Evaluated residential and commercial loan applications to assess creditworthiness and eligibility.
- Underwrote loans in compliance with company, agency, and secondary market investor guidelines.
- Demonstrated urgency in executing job functions and responsibilities.
- Reviewed and analyzed complex financial information to make informed loan decisions.
- Proficiently examined various tax returns and financial statements for accurate analysis.
- Executed all data entry tasks related to underwriting in the loan origination system.
- Maintained up-to-date knowledge of government and company underwriting guidelines.
- Ensured compliance with Fannie Mae and Freddie Mac regulations throughout processes.
Senior Process Associate
Xome Services India Pvt. Ltd
Chennai
10.2015 - 07.2018
- Performed title searches, generated Title Policies and Commitments, and prepared Closing Disclosures.
- Reviewed loan submissions for compliance with lender and investor guidelines.
- Maintained adherence to company policies and regulatory requirements throughout processes.
- Analyzed credit histories to assess feasibility of loan approval.
- Validated property titles and appraisals against insurer and guarantor standards.
- Determined loan eligibility, approving or rejecting applications as necessary.
- Verified applicants' employment history and income to ensure accurate assessments.
- Calculated debt-to-income ratios to maintain compliance with industry benchmarks.
Hardware & Network Engineer
Altrusit Technologies Pvt. Ltd
Shimla
01.2015 - 08.2015
- Configured and installed network devices for local area networks.
- Managed company networking and MSC operations to ensure connectivity.
- Performed regular maintenance on all components of the network including servers, workstations, cabling.
Education
B. Tech - Information Technology
L.R Institute of Engineering and Technology
Solan, H.P01.2014
Secondary Education -
Jawahar Navodaya Vidyalaya
Shimla, H.P01.2010
Skills
- Origination and underwriting
- Credit analysis
- Capital management
- Capacity assessment
- Collateral evaluation
- Residential and commercial underwriting
- Title and mortgage services
- US banking operations
- AML compliance
- KYC processes
- Title search and settlement
- Mortgage servicing and foreclosure
- US taxation expertise
- Team leadership
- Training and development
- Client focus
- Results-driven mindset
- Microsoft Office proficiency
- Report generation and analysis
- Operations management
- Organizational skills
- Underwriting guidelines adherence
- Regulatory compliance expertise
- Pipeline management strategies
Accomplishments
- 2024 Best Performer Award (Originations)
- 2021 Pinnacle award for Best Performer (Quality & Transition)
- 2019 Three time On the Spot award for outstanding performance
- 2018 Best Performer Award
- 2017 Mr. Cooper Excellence Award- Employee of the Year.
- 2016 Showcase Award- Challenger for Drive Initiative & Openness.
- 2016 Outstanding Performer Award
Languages
Hindi
First Language
English
Proficient (C2)
C2
Tamil
Beginner (A1)
A1
Timeline
Senior Underwriter
Verity Global Solutions
02.2024 - Current
Operation Manager (TL Role)
VitaWerks Inc.
11.2022 - 01.2024
Manager
BMTG Advisors India Pvt Ltd
09.2021 - 05.2022
Team Lead
WNS Global Services Pvt Ltd
07.2020 - 09.2021
Senior Process Associate
Tata Consultancy Services
07.2018 - 03.2020
Senior Process Associate
Xome Services India Pvt. Ltd
10.2015 - 07.2018
Hardware & Network Engineer
Altrusit Technologies Pvt. Ltd
01.2015 - 08.2015
B. Tech - Information Technology
L.R Institute of Engineering and Technology
Secondary Education -
Jawahar Navodaya Vidyalaya
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