Richard D'souza

• Lead underwriting for HNW/UHNW clients; independent final approval authority up to $5,000,000 with consistent SLA and quality performance.
• Full‑file credit review: assets, W‑2s, tax returns, K‑1s, paystubs, appraisals, and credit bureau reports; validate liquidity, continuity of income, repayment capacity.
• Ensured adherence to JPM Mortgage Guide, documented decision rationales and exceptions, and maintained audit-ready files.
• Collaborated with Mortgage Specialists and Bankers to align structures and streamline client experience.
• Mentored new members, conducted quarterly reviews, and developed improvement plans to enhance team performance.
• Awards: ASIAPAC CEO Team Award 2025; Employee of the Year 2022; Impact Award (Team) 2021.

• Conventional US residential mortgages (Fannie, Freddie, Citi internal); ensured investor guideline compliance and salability.
• Recomputed LTV/CLTV/HCLTV, HTI/DTI; validated income, assets, liabilities; reviewed collateral and closing packages to ensure compliance and mitigate risk.
• Classified and cured material/non-material variances prior to sale, minimizing repurchase and defect risk while achieving productivity and accuracy targets.

• Monitored collections agents (US/Philippines) for compliance; built Excel trackers and “tricky scenarios” repository; led 15–17 agents.

• Multi‑channel support; selected for dedicated letter‑writing team; served as acting TL.

• DSL technical support; consistent Quality and Star Performer awards.

• Managed operations at an 80-system client site and trained new cohorts.