Rajesh Joshi

• Examine 1003 mortgage loan application forms ensuring eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to lower risk factors
• Evaluated 4Cs in underwriting loan risk while assessing conditions and requirements for FHA, Conventional, and VA loan types
• Compiled verification appraisal report and supporting documentation for loan processing.
• Reviewed bank statements, tax returns, and income documents for financial assessment.
• Analyzed flood insurance and title report to ensure compliance with lending standards.
• Calculated loan-to-value (LTV), combined loan-to-value (CLTV), housing-to-income (HTI), and debt-to-income (DTI) ratios for credit analysis.
• Income calculation formulas (Salary, Self-employment, Rental, Retirement, etc.) for underwriting purposes
• Evaluated appraisals, titles, and credit reports to verify borrower eligibility.
• Organized and compiled essential financial documentation for underwriting review.

US Mortgage Condition Review.

• Executed thorough condition reviews following underwriter's conditional approvals.
• Confirmed borrower met all necessary conditions for successful loan processing.
• Cleared all outstanding items to facilitate transition to 'clear to close.'
• Prepared letters of explanation for inquiries, late payments, and collections.
• Consolidated evidence of debt repayment and revised credit supplements.
• Updated pay stubs, W-2s, tax returns, and year-to-date income verification documents.
• Conducted employment verifications (VOE) to confirm job status and income accuracy.
• Updated bank statements, large deposit explanations.
• Source of down payment (gift letter, transfer evidence).

• Processed chargebacks according to Visa/MasterCard scheme rules and internal procedures.
• Addressed fraud alerts, disputes, and merchant problem escalations efficiently.
• Investigated and validated chargebacks adhering to VISA/MasterCard guidelines.
• Conducted follow-up investigations and processed temporary credits after pre-arbitration reviews.
• Reviewed Master com reports for MasterCard, monitoring reconciliations daily.
• Provided resolutions for VISA and MasterCard disputes effectively.
• Trained employees in payment processing, photo printing, and merchandise handling.

AML and transaction monitoring

• Detected suspicious activity to mitigate risks in financial transactions.
• Prevented money laundering, terrorist financing, and fraud through vigilant monitoring.
• Ensured compliance with regulatory requirements across multiple jurisdictions including FATF, FinCEN, and RBI.
• Processed customer transactions, including deposits, withdrawals, transfers, and card payments.
• Monitored activities against established risk profiles and compliance regulations.
• Generated alerts for unusual or suspicious transaction patterns.
• Escalated cases for further investigation by filing SAR or STR as required.