SATISH SHARMA

08/2021 - Current
Senior Analyst Underwriter
SitusAMC Corporation, Mumbai

• Work on commercial Mortgage as Senior Analyst.
• Check Rent Rolls.
• Determine NOI (Non Operating Income).
• Determine Cap Rate/Capitalization Rate.
• Determine DSCR
• Scrutiny document used in Commercial loan.
• Worked as RRE post closing Underwriter.
• Preparing Daily production report.
• Doing RCA (Root cause analysis) for reviewer's quality improvement.
• Processing Post-closing underwriting with all 4 C in Residential real estate, Leases, Reverse loans (Appraisal, Title, Insurance, Flood insurance, AUS, Credit Report, Income documents, Assets).
• Conducts sessions for process improvements.
• Determined and documented loan conditions and communicated requirements and decisions.
• Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.

• Developed and maintained quality assurance procedure documentation.
• Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
• Collaborated with management to provide training on improved processes and assisted with creation and maintenance of quality training.
• Compiled and distributed weekly feedback to team leaders and managers to improve service time and quality while increasing productivity.
• Developed monthly, end-of-quarter and other statistical reports for leadership team and quality improvement programs.
• Conducts calibration call with onshore quality team to discuss about offshore and onshore errors.
• Sends fliers to team on weekly basis regarding any new update on documents or re-iterates to team about specific document where they are doing repeated mistakes.

FOR US MORTGAGE CITI BANK (November 2012 - June 2018):-

• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
• Carried out day-day-day duties accurately and efficiently.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Worked flexible hours; night, weekend, and holiday shifts.
• Analyses all documents of borrowers properly as per client requirements.
• Reviewing and verifying loan applications & supporting documentation.
• Worked as a senior business process outsourcing in Global consumer Loan Operations (GLO) for CITI US Mortgage.
• Used to Prepare Process MIS on daily basis except my BAU work to track Volume of work, TAT used to complete files, actual UPT and send it across to higher Management.
• Used to send Hourly Staffing details to higher management and On-shore site to let them know about queue status and how many agents are working on particular queue.

FOR UK CITI BANK Insurance Claims (June 2018 –20 November 2020 :-

• Worked as senior workflow Specialist as Maker & Checker of the BAU cases
• Used to analyze escalations and providing solutions to customers’ queries (Case Specific).
• Used to handles customer’s complaint &used to take decision for the same with errorless solutions.
• Used to calculate refund to be given to customer by using automated calculators applications (Panther, Plevin decision tool App.).
• Used to verify the customer capability to approve the claims as per their credit limit & bank history.
• Used to send letters & used to order cheques for the customers and taken care of interest charges on monthly basis to UK customers
• Completed various project as per client requirements. (Egg Cards, CITI Cards, Diners Card& BAU Cases).
• Used to provide information related to A/Cs held with CITI Bank to Data Subject (Customer) as per information requested by Data Subject in regulation of GDPR Act (Global Data Protection Rule).
• Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork