Rohini Pawar
Navi Mumbai
Summary
Experienced Underwriter with over 10 years in US and Indian Residential Mortgage underwriting. Expertise in risk assessment, file processing, and comprehensive mortgage file management. Proven track record in analyzing complex financial data while ensuring compliance with regulatory standards. Aiming to apply skills and leadership to drive success in a progressive organization.
Overview
10
10
years of professional experience
Work History
Senior Manager
HDFC BANK LTD
MUMBAI
04.2025 - Current
- Conducted detailed credit appraisals and risk assessments for unsecured loan applications per internal policies and regulatory guidelines.
- Processed cases within established turnaround times to improve operational efficiency.
- Collaborated with business teams to align objectives and enhance decision-making.
- Leveraged Credit Bureau tools such as CIBIL, CRIF, LOS, and LMS for creditworthiness evaluations.
Deputy Area Manager
Bajaj Housing Finance Limited
Pune
03.2023 - 03.2025
- Managed team performance, ensuring compliance with company policies and standards.
- Facilitated training sessions for new staff on operational processes and best practices.
- Coordinated loan application reviews and approval processes to enhance efficiency.
- Oversaw adherence to regulatory requirements in housing finance operations.
- Analyzed credit reports and bank statements for salaried and senior customers.
- Calculated FOIR/LTV ratios to assess loan eligibility.
- Reviewed complete tax returns to verify financial information.
- Approved files up to 50 lakh; recommended higher amounts to ACM after thorough analysis.
Underwriter
Visionet Systems Pvt Ltd
Navi Mumbai
01.2022 - 08.2022
- Analyzed financial documents to assess underwriting eligibility and compliance standards.
- Collaborated with agents to clarify requirements and gather essential documentation.
- Utilized underwriting software to enhance application processing and decision-making efficiency.
- Inspected financial statements, bank statements, credit information, and title data for Non-QM product underwriting.
- Guided junior staff on underwriting procedures and best practices.
- Determined optimal loan structures based on customer needs and regulatory guidelines.
- Recommended adjustments to loan terms or conditions according to individual circumstances.
- Conducted quality control audits of initial reviews and condition reviews.
Underwriter
Quatrro Mortgage Services Pvt Ltd
Navi Mumbai
10.2019 - 12.2021
- Reviewed loan documents against checklist, requesting necessary information when missing.
- Analyzed 4C's of mortgages per QM and NON-QM investor guidelines.
- Calculated debt-to-income and loan-to-value ratios after assessing liabilities and income.
- Managed loan approval processes, including suspensions and restructuring cases.
- Conducted condition reviews for loans, ensuring submission of all required documents.
- Performed quality control audits on initial reviews and condition assessments.
Specialist, Valuation Review
Altisource Business Solutions Pvt Ltd
Navi Mumbai
10.2017 - 10.2019
- Established property value through thorough examination and external research.
- Identified and analyzed internal and external factors impacting valuation.
- Evaluated public and private real estate record databases for accurate assessments.
- Refined valuation models to improve efficiency and precision.
- Executed statistical techniques to analyze portfolio trends effectively.
- Performed data mining and developed reconciling property characteristics.
- Presented findings and recommendations to senior management for informed decision-making.
- Compiled comprehensive reports detailing property value and justification.
Financial Analyst
XL Dynamics India Pvt Ltd
Navi Mumbai
05.2016 - 07.2017
- Executed comprehensive analysis of deed documents and final title policy using established checklist.
- Reviewed final payoff statement and wire confirmation, preparing re-conveyance packages for diverse loan types.
- Communicated policy specifics to client concerning mortgage clause removal.
- Evaluated payoff request and letter, dispatching completed documents to client.
Process Associate
Gallagher Operations Support Services Pvt Ltd
Pune
07.2015 - 05.2016
- Updated and prepared monthly Loss Reports and Cash Flow Statements for captive members.
- Compiled Quarterly Loss Summaries for captive members to assess performance.
- Conducted biannual analysis of Member's Fund and Risk Sharing reports for captives.
- Submitted new policies through client portal and disabled certifications as required.
- Managed daily operational workflows to ensure timely completion of tasks.
- Trained new employees on standard operating procedures and best practices.
- Participated in team meetings, contributing suggestions to enhance processes.
Education
MBA - Finance
MMCOE
Pune06-2015
Bachelor of Science - Computer Science
Symbiosis College of Arts & Commerce
Pune05-2013
Skills
- Credit appraisal
- Risk assessment
- Loan processing
- Regulatory compliance
- Financial analysis
- Team management
- Training facilitation
- Decision making
- Teamwork and collaboration
- Loan underwriting
Affiliations
- Participated in NSS activities in college
- Participated in Lila Poonawalla Foundation personality development programs
Accomplishments
- Received scholarship from Lila Poonawalla Foundation for MBA
- Best Earn and Learn Student Award
- Best library user award
- Best outgoing student
Timeline
Senior Manager
HDFC BANK LTD
04.2025 - Current
Deputy Area Manager
Bajaj Housing Finance Limited
03.2023 - 03.2025
Underwriter
Visionet Systems Pvt Ltd
01.2022 - 08.2022
Underwriter
Quatrro Mortgage Services Pvt Ltd
10.2019 - 12.2021
Specialist, Valuation Review
Altisource Business Solutions Pvt Ltd
10.2017 - 10.2019
Financial Analyst
XL Dynamics India Pvt Ltd
05.2016 - 07.2017
Process Associate
Gallagher Operations Support Services Pvt Ltd
07.2015 - 05.2016
MBA - Finance
MMCOE
Bachelor of Science - Computer Science
Symbiosis College of Arts & Commerce
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