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
Similar Profiles
S Prajwal S Prajwal null
Anayst at Deloitte USI Pvt LtdAnayst at Deloitte USI Pvt Ltd
SIDDHESHWAR KARPESIDDHESHWAR KARPE
Senior Technical Analyst at Deloitte USI Pvt. Ltd.Senior Technical Analyst at Deloitte USI Pvt. Ltd.
Sachin SaxenaSachin Saxena
Senior Analyst - Learning & Development at Deloitte USI Pvt Ltd.Senior Analyst - Learning & Development at Deloitte USI Pvt Ltd.
Divya NelaturiDivya Nelaturi
Medical Coder at Augustus Health CareMedical Coder at Augustus Health Care
JEEVAN KUMAR PERIKALAJEEVAN KUMAR PERIKALA
Data Engineer at Suncorp InsuranceData Engineer at Suncorp Insurance