Shailesh Singh

Live Underwritter. (2018-2024)

• Analyze all loan documents which includes income,assets,credit,collateral,purchase contracts and other required documents.
• Sound Knowledge of Underwriting 4 C's ( Credit, Capacity,Collateral and Capital).
• Perform underwriting decision based on income.
• Underwrite loan products/ programs that require mortgage insurance or PMI.
• Working on income calculation, calculating DTI and LTV.
• Reviewing Appraisal report and Credit History.
• Sound Knowledge of different types of Mortgage loan e.g Conventional,FHA,VA and USDA.

HAF and HHF Project.(2016-2018)

• Worked on government aided program offered.
• Reviewing and Underwriting Unemployment or Monthly Assistance program, Reinstatement Program, Recast and Modification program for home owners.

Customer Service and Collection.(2014-2016)

• Handled Inbound and Outbound calls for Homeowners , providing the current status of Modification,DIL and S.S.
• Assisting customers to complete the RMA package.
• Assisting customers query, resolving any esclations.

• Serving customers of Sky and Talk Talk Television, Phone and Broadband by selling products and meeting customer needs
• Servicing existing accounts by planning and organizing daily work schedule to call on existing issues and escalations
• Focusing on sales efforts by studying existing and potential volume of dealers
• Keeps management informed by submitting activity and results reports, such as daily call reports, weekly work plans, and monthly and annual territory analyses
• Recommends changes in products, service, and policy by evaluating results and competitive developments
• Resolves customer complaints by investigating problems, developing solutions, preparing reports, and making recommendations to management
• Maintain professional and technical knowledge by attending educational workshops and training for new phone launches and services, reviewing professional publications, establishing personal networks, and participating in professional societies
• Providing historical records by maintaining records on area and customer sales
• Contributes to team effort by accomplishing related results as needed

• Servicing for Barclays Personal Loan customers based in the India promoting add-on products & services that were offered by the institution
• Evaluating the creditworthiness of potential customers
• Calculating and setting loan interest rates
• Ensuring all credit and lending procedures comply with regulations
• Maintaining records of all company loans
• Reviewing and updating the company's credit policy