Hi, I’m
Sanjay Dubey
Mumbai
Summary
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
10
years of professional experience
Work History
XL Dynamics India Pvt. Ltd. Mumbai
Underwriter (USA, Residential Mortgage)
09.2019 - Current
Job overview
- Verification of employment - W2 income, self-employment (Sch C) and businesses(sole proprietorship, partnership, corporation, and S corporation): Wage income verification through the vendor providing job verification services and searching for business license on websites providing business verifications.
- Calculation of qualifying income (salary, business- GP (general partnership), LP (Limited partnership), C Corp, B Corp & S Corp), pension, retirement, interest and dividend, rental etc.) as per the Federal Housing Administration (FHA) guidelines.
- In depth review of credit report (FICO score, SSN Validation for any possible red flag, cross validation of residential history, identification of undisclosed mortgage/ short sale, checking active bankruptcy, review of any late payments, collection/judgment accounts.
- Reviewing asset documents (bank statement – saving and checking accounts, earnest money deposit (EMD), Gift funds, Retirement funds, stocks and bonds) for liquid assets consideration and minimum reserve requirement.
- Analysis of Loan program, amortization type, LTV (loan to value ratio), loan limits, loan eligibility, down payment assistance (DPA) guidelines. Making sure system is reflecting all loan parameters accurately.
- Ensuring the loan is meeting all the agency, state guidelines and Lender requirements, adding conditions for required documents to mitigate the noted discrepancy, sending detailed overview of the loan to management in case of some concern.
- Declining and cancelling of the file if the loan cannot be approved and sending denial notice to client.
WNS Global Services Pvt. Ltd.
Assistant Manager - Customer Service
06.2018 - 09.2019
Job overview
- Managing the operations of the team & Overlooking and ensuring a smooth workflow.
- Managing the schedule and delegating tasks to team members. Guiding the team to complete their tasks
within ETA. - Regulating monthly performance review of team members to ensure efficiency.
- Creating and nurturing a positive work environment to boost productivity.
- Resolving queries and problems of the team members.
Keeping up-to-date with the latest industry trends to optimize procedures. - Maintaining a track record of team progress and documenting the same to make accurate reports.
Preparing team performance dashboard in excel and sharing it with the Management.
XL Dynamics India Pvt. Ltd. Mumbai
Associate Financial Analyst
04.2016 - 02.2018
Job overview
- Assessing the loan worthiness as per respective state guidelines of real estate mortgage and reviewing
the financial statements on several documents accordingly. - Configuring financial data and documents in the ERP (Enterprise resource planning) system.
- Performing verifications as per the process of Lender to determine authenticity of the data.
- Generating final loan documents/package as per the guidelines of CFPB (Consumer Financial Protection
Bureau) and sending them to closing agent and title company for signing of the documents. - Communicating through calls, emails & online chat with respective clients involved in loan processing in regards with obtaining the required financial documents, reports & information.
Vertex Customer Management India Pvt. Ltd. Mumbai
Business Associate Operations/MIS
10.2014 - 04.2016
Job overview
- Handling the complaints escalated from Social Media, President's office and DOT (Department of
Telecommunications). - Retrieving the data from web portals of public grievances and arranging it in the excel format for various teams.
- Interacting with business team, Circle's Appellate body and General Manager across India for escalations
and Resolutions (Voice & Email Communication). - Providing analysis of weekly & monthly data to the management.
- Maintaining all the records in MIS and Publishing it to the concern departments time to time.
Education
Post Graduate from Financial Analyst
Swami Vivekananda Subharti University
MBA from HRM & Finance
Dr.R.M.L.A.University
Post-Graduation from English Literature
01.2014
Dr.R.M.L.A.University
Graduation from English, Sociology
01.2011
Allahabad Board
12th from Eng., Socio, Economy
01.2007
Allahabad Board
10th from Science
01.2004
Skills
- Proficient knowledge of MS Office
- Excellent command over the email and Internet
- Problem-solving & Decision-making
- Underwriting requirements knowledge & Loan processing experience
- Keen to learn new skills as per the work requirement to reduce the time and effort
- Analyzing data
- Risk Assessment
- Quality Assurance
- Credit analysis
- Data Interpretation
- Risk Management
- Asset Statements
- Written Communication
- Customer Service
- Problem-Solving
Languages
Hindi & English
Potential
Attention to detail and a high degree of intellectual curiosity, Committed to deliver quality work, Self-managed, responsible and dedicated.
Personal Information
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that all the information mentioned above is true to the best of my knowledge & experience.
Birthyear
1988
Timeline
Underwriter (USA, Residential Mortgage)
XL Dynamics India Pvt. Ltd. Mumbai
09.2019 - Current
Assistant Manager - Customer Service
WNS Global Services Pvt. Ltd.
06.2018 - 09.2019
Associate Financial Analyst
XL Dynamics India Pvt. Ltd. Mumbai
04.2016 - 02.2018
Business Associate Operations/MIS
Vertex Customer Management India Pvt. Ltd. Mumbai
10.2014 - 04.2016
Swami Vivekananda Subharti University
MBA from HRM & Finance
Dr.R.M.L.A.University
Post-Graduation from English Literature
Dr.R.M.L.A.University
Graduation from English, Sociology
Allahabad Board
12th from Eng., Socio, Economy
Allahabad Board
10th from Science
Post Graduate from Financial Analyst
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