Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Pranay Kumar

Pranay Kumar

Hyderabad

Summary

Dedicated mortgage professional with over 8 years of progressive experience in U.S. mortgage operations, specializing in loan processing, underwriting, compliance, and team leadership. Proficient in handling Non-QM loan products with deep expertise in federal regulations. Proven ability to manage large teams, train resources, and drive operational efficiency through automation and data-driven decision-making.

Overview

8
8
years of professional experience
2016
2016
years of post-secondary education
3
3
Certifications

Work History

Assistant Manager - US Mortgage ETS

Deloitte USI Pvt Ltd
07.2024 - 07.2025
  • Supervised and mentored a team of mortgage analysts to meet SLA and quality goals.
  • Managed full-cycle mortgage loan processes including origination, underwriting, closing, and post-closing.
  • Ensured strict compliance with Fannie Mae, Freddie Mac, and federal regulations.
  • Acted as a primary liaison for clients and underwriters to resolve escalations and expedite loan closures.
  • Led process audits, developed SOPs, and conducted onboarding and compliance training.
  • Identified and implemented automation solutions to streamline workflows and reduce processing time.
  • Created detailed performance reports to analyse KPIs, trends, and areas for process enhancement.

Team Lead - Underwriting

Amvik Solutions Pvt Ltd
10.2023 - 04.2024
  • Handled underwriting for Conventional and VA loans, including credit, income, and asset evaluation.
  • Calculated all major loan ratios (LTV, CLTV, HCLTV, DTI, HTI) to determine loan eligibility.
  • Coordinated with Loan Officers (LO) and Loan Officer Assistants (LOA) to ensure timely file approvals.
  • Requested and reviewed borrower documentation to ensure completeness and compliance.
  • Trained and mentored new team members on underwriting procedures and tools.
  • Met and exceeded daily production targets consistently.

Subject Matter Expert (SME)

Finacplus Outsourcing Pvt Ltd
04.2020 - 08.2023
  • Analyzed and verified loan applications, credit reports, and supporting documentation.
  • Used the 4 Cs of underwriting (Credit, Capacity, Capital, Collateral) for risk assessment.
  • Cleared or flagged loan conditions in line with Fannie Mae and Freddie Mac standards.
  • Delivered mortgage underwriting training and created process-specific training materials.
  • Conducted daily team huddles and performance reporting via dashboards to clients.
  • Played a key role in implementing guideline updates and ensuring process compliance.

Process Executive - Mortgage Operations

CES Ltd
08.2018 - 03.2020
  • Reviewed loan files for credit history, income verification, property valuation, and compliance documents.
  • Evaluated loan-to-value and debt-to-income ratios to assess borrower creditworthiness.
  • Determined loan conditions and coordinated approvals or rejections with accuracy.

Analyst - Loan Servicing & Insurance Compliance

Berkadia Services India Pvt Ltd
06.2017 - 08.2018
  • Processed and posted borrower payments via wires, lockbox, and auto-debit systems.
  • Handled outgoing wire transfers and maintained fund transfer records.
  • Reviewed insurance compliance based on investor and internal quality control standards.
  • Ensured timely and accurate analysis of compliance documentation and escalated issues as needed.

Education

Bachelor of Commerce -

Triveni Degree College

Skills

  • US Mortgage Operations & Underwriting
  • Conventional and Non-QM Loans
  • Regulatory Compliance
  • Loan Ratios (LTV, CLTV, HCLTV, DTI, HTI)
  • Team Leadership & Training
  • Client & Stakeholder Communication
  • Loan Origination Systems (Empower, LSS)
  • Process Improvement & Automation
  • Reporting & Dashboarding
  • Risk Assessment & Documentation Review

Certification

Six Sigma Green Belt

Timeline

Assistant Manager - US Mortgage ETS

Deloitte USI Pvt Ltd
07.2024 - 07.2025

Team Lead - Underwriting

Amvik Solutions Pvt Ltd
10.2023 - 04.2024

Subject Matter Expert (SME)

Finacplus Outsourcing Pvt Ltd
04.2020 - 08.2023

Process Executive - Mortgage Operations

CES Ltd
08.2018 - 03.2020

Analyst - Loan Servicing & Insurance Compliance

Berkadia Services India Pvt Ltd
06.2017 - 08.2018

Bachelor of Commerce -

Triveni Degree College

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