Sandeep Gupta

Manage live underwriting files for Confirming and HELOC loans, including DU/LP analysis and counteroffers.

Execute end-to-end underwriting activities, encompassing loan setup and issuance of initial conditions.

Serve as primary contact for Loan Officers and Processors, delivering timely clarifications and guidance.

Conducted internal audits of underwritten files based on loan severity criteria.

Reviewed all 4C's of underwriting in accordance with program requirements.

Validated AUS findings against LOS and loan file documentation for accuracy.

Documented and communicated reasons for loan approvals or rejections effectively.

Conducted audits and underwriting for files based on loan severity criteria.

Reviewed all 4C's of underwriting in accordance with loan program requirements.

Verified accuracy of AUS findings against LOS and loan file documentation.

Identified potential fraud, red flags, and errors within loan files.

Communicated deficiencies in loan files to onshore personnel for necessary remediation.

Performed comprehensive appraisal reviews aligned with program and AUS standards.

Approved loans up to $500K as a final underwriter with sign-off authority.

Certified to manage underwriting complexities while addressing all 4 C's.

Executed live file reviews, including DU/LP underwriting and counter offers.

Presented exceptions to bank management, highlighting compensating factors.

Managed loan setup in software, issuing CLA/NOI until final approval.

Clarified queries from loan officers and processors to enhance workflow efficiency.

Trained and mentored five associates on underwriting principles and the 4 C's.

Trained over 15 individuals on underwriting profiles.

Analyzed loan risk prior to approval from onshore underwriters.

Reviewed completeness and accuracy of documents related to credit, borrower profile, liabilities, and income.

• Reviewed accuracy and completeness of documents related to credit and borrower profiles.
  Analyzed debt-to-income (DTI) and loan-to-value (LTV) ratios for mortgage applications.
  Examined verification documentation and third-party vendor files in loan submissions.
  Assessed risks associated with loan approvals to determine purchase feasibility.

• HAMP Modification Underwriting

• Semi-Technical Process
• Admin work.