Anuj Kumar Gupta
Thane,Maharastra
Summary
Highly accomplished and certified Credit & Mortgage Underwriting Specialist with 10+ years of experience in the US mortgage industry. Proven expertise in loan origination, credit risk assessment, income and asset analysis, fraud detection, regulatory compliance (TRID, RESPA, TILA, ECOA), and process optimization. Known for integrating modern analytics tools (SQL, ETL, Excel, Tableau) and Generative AI applications (ChatGPT, Gemini) to enhance underwriting efficiency, credit quality control, and decision-making. Demonstrates strong leadership in team development, process automation, cross-functional collaboration, and risk management reporting for senior leadership.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Assistant Manager – Mortgage Underwriting
OPX America
09.2024 - Current
- Live underwriting and post-close QC for a diverse portfolio of U.S. residential mortgage loans, while providing expert guidance to a team of underwriters on complex queries and file assessments.
- Ensured 100% adherence to Fannie Mae, Freddie Mac, FHA, VA lending guidelines, TRID, RESPA, and TILA compliance protocols.
- Conducted periodic training sessions on regulatory updates and root cause analysis of control failures, achieving a 25% reduction in underwriting errors over 12 months.
Co-Founder & Strategy Head
Vidyavins Pvt. Ltd.
04.2023 - 06.2024
- Co-established a retail grocery venture focused on underserved Tier-3 markets, designing the business model and growth roadmap.
- Used customer insights and market analytics to tailor pricing, inventory, and marketing strategies.
Senior Financial Analyst – Credit Underwriting
XL Dynamics India Pvt. Ltd.
01.2014 - 03.2023
- Reviewed and assessed loan applications, tax returns, paystubs, bank statements, and credit reports to determine borrower eligibility in compliance with US mortgage underwriting standards and investor guidelines (Fannie Mae, Freddie Mac, Non-conforming, VA).
- Confirmed and validated exceptions identified through 1st and 2nd Line Credit QC testing; collaborated with Business Units to drive timely remediation, implement control improvements, and mitigate recurring risks.
- Performed reconciliation between initial and final findings reports, ensuring data integrity, accuracy, and timely closure of compliance gaps.
- Prepared and delivered risk assessment updates to senior management, highlighting remediation progress, control failures, and emerging trends to guide strategic decision-making.
- Applied investor-specific guidelines for non-conforming loans, leveraging automated underwriting systems (DU/LP) for accurate and efficient decision-making.
- Designed and implemented checklists, SOPs, and audit frameworks that improved consistency and accuracy across the underwriting function.
- Conducted pre-closing quality control reviews ensuring compliance with Fannie Mae, Freddie Mac, CFPB, HUD, TRID, RESPA, TILA, and ECOA regulations.
- Generated actionable data summaries, underwriting commentary, and escalations for investor and risk partner resolution.
- Partnered with training teams to enhance onboarding processes, reducing ramp-up time for new hires by 30% and improving guideline adherence.
Co-Founder | Operations & Finance Lead
Litti On Wheels
08.2011 - 12.2013
- Launched a local food-tech startup specializing in traditional Indian cuisine with modern delivery.
- Oversaw operations and logistics while scaling to multiple urban locations through marketing and branding.
Education
MMS in Finance - Finance
MGM Institute of Management Studies & Research
Mumbai06.2011
Skills
- US Mortgage Underwriting (Conventional, VA, Non-conforming Loans)
- Credit Quality Control (1st & 2nd Line) & Remediation Oversight
- Loan Origination & Pre-Approval Processing
- Credit Risk Evaluation, Root Cause Analysis & Trend Identification
- Fraud Detection & Red Flag Analysis
- Compliance with Fannie Mae, Freddie Mac, CFPB, HUD, TRID, RESPA, TILA, ECOA
- Data Analytics: SQL, Excel, Tableau
- Underwriting Systems: Encompass, Desktop Underwriter (DU), Loan Prospector (LP)
- Policy & Procedure Review and Impact Assessment
- Project Management & Emerging Risk Remediation
- Generative AI for Business Optimization (ChatGPT, Prompt Engineering)
- Team Leadership, Mentoring & SOP Development
Accomplishments
- Reduced average underwriting turnaround time by 20% through process reengineering.
- Designed and deployed SOPs used by 50+ underwriters to standardize document reviews.
- Delivered 100+ hours of training on investor guideline updates and fraud red flags.
Certification
- Data Analytics & Generative AI – E&ICT Academy, IIT Guwahati (2025)
- Advanced Training – SQL, Excel, ETL, Tableau (Certified Technical Program)
Timeline
Assistant Manager – Mortgage Underwriting
OPX America
09.2024 - Current
Co-Founder & Strategy Head
Vidyavins Pvt. Ltd.
04.2023 - 06.2024
Senior Financial Analyst – Credit Underwriting
XL Dynamics India Pvt. Ltd.
01.2014 - 03.2023
Co-Founder | Operations & Finance Lead
Litti On Wheels
08.2011 - 12.2013
MMS in Finance - Finance
MGM Institute of Management Studies & Research
Similar Profiles
Anuj Kumar GuptaAnuj Kumar Gupta
Assistant Manager – Mortgage Underwriting at OPX AmericaAssistant Manager – Mortgage Underwriting at OPX America
Peter WhitePeter White
Dump Truck Driver at OPX ExcavatingDump Truck Driver at OPX Excavating
Alexandria FullmerAlexandria Fullmer
Executive Personal Assistant at Joe Kuzmick, Opx ConsultingExecutive Personal Assistant at Joe Kuzmick, Opx Consulting
VINAYAK PATILVINAYAK PATIL
Service Delivery Manager, Western Australia HSS at ATOS Global IT Solutions and Services Private LimitedService Delivery Manager, Western Australia HSS at ATOS Global IT Solutions and Services Private Limited
MOHAMMAD SHADMOHAMMAD SHAD
Data Analyst at Yo Digitals Pvt. Ltd.Data Analyst at Yo Digitals Pvt. Ltd.