Pavithra Selvaraj
chennai
Summary
Over 8 years of experience in mortgage loan processing and underwriting. Expertise in evaluating residential loan applications and ensuring compliance with Fannie Mae guidelines. Strong analytical skills in financial data assessment and creditworthiness evaluation, leading to informed underwriting decisions.
Overview
8
8
years of professional experience
Work History
live underwriter
MODER SOLUTION INDIA PVT LTD
CHENNAI
06.2024 - Current
- Conducted audits of pre- and post-closing underwriting files to verify accuracy of decisions.
- Managed manual and automated underwriting processes using DU, LP, and AUS.
- Calculated loan-to-value ratios while analyzing diverse income sources, including salaried and self-employed.
- Reviewed asset statements across various account types to ensure comprehensive analysis.
- Analyzed borrowers' financials by calculating front-end and back-end debt-to-income ratios manually.
- Examined tax returns and pay stubs to verify all income sources thoroughly.
- Ensured compliance with Fannie Mae and Freddie Mac guidelines by reviewing documentation.
- Communicated requirements effectively with loan processors regarding documentation and fraud detection.
- Calculating income for borrowers based on income documentation (salaried and self-employed calculation).
- Dispute or provide appropriate documents to the investors to satisfy the condition based on their validity. Follow up rigorously until the loan is purchased.
- We do review all the UW 4C's when we receive a condition from the investor with respect to the Capacity, Credit, Collateral, and Capital.
Process Associate
ACCENTURE SOLUTIONS PVT LTD
CHENNAI
09.2021 - 05.2024
- Executed quality assurance checks on transactions and account actions, ensuring compliance with state and federal laws.
- Reviewed loan files to detect missing documentation and compiled condition lists for applicants. Finalized loan submissions, improving overall processing accuracy.
SR AR associate
Wave Online Infoway
kochi
10.2020 - 09.2021
- Processed high volumes of medical claims daily, ensuring accuracy and timely resolutions.
- Utilized administrative guidelines to resolve queries during claims processing.
- Approved or rejected medical claims based on established criteria, ensuring policy compliance.
- Maintained up-to-date knowledge of benefits claim processing and medical terminology.
Mortgage Analyst
ACCENTURE SOLUTIONS PVT LTD
CHENNAI
06.2017 - 05.2019
- Pre-qualified potential mortgage customers through thorough identification processes.
- Collaborated with underwriters to resolve application issues and clarify concerns.
- Assessed client financial situations to recommend appropriate banking products.
- Delivered effective solutions to customer complaints, enhancing overall satisfaction.
- Reviewed loan files, ensuring compliance with updated standards.
- Provided timely and accurate status updates to maintain superior customer satisfaction.
Education
MBA - Finance
HALL MARK BUSINESS SCHOOL
TIRUCHIRAPALLI05-2015
BBA - BBA
Bharathidasan University
TIRUCHIRAPALLI06-2013
Skills
- Auditing processes
- Loan analysis and underwriting
- Income verification
- Document assessment
- Compliance evaluation
Timeline
live underwriter
MODER SOLUTION INDIA PVT LTD
06.2024 - Current
Process Associate
ACCENTURE SOLUTIONS PVT LTD
09.2021 - 05.2024
SR AR associate
Wave Online Infoway
10.2020 - 09.2021
Mortgage Analyst
ACCENTURE SOLUTIONS PVT LTD
06.2017 - 05.2019
MBA - Finance
HALL MARK BUSINESS SCHOOL
BBA - BBA
Bharathidasan University
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