SHARON PAULY
Chalakudy
Summary
Skilled team player with strong background in Mortgage Industry environments. Works well independently to handle assignments and always ready to go beyond basics assignments. Quick learner with good computer and Decision making abilities.
Overview
6
6
years of professional experience
Work History
Credit Analyst
QC Verify
Kochi
12.2023 - Current
- I was part of post close Audit team of QC verify PVT LTD
- Did Audit on Conventional, FHA and VA Files.
- Validated Reverification Documents to confirm Income, Assets and Credit and occupancy.
- Did extensive search while reverification to identify fraud or misrepresentation.
- Did underwriting for the file and raises errors and misrepresentations as per client specific guidelines
Senior Underwriter
Situs AMC
Chennai
05.2021 - 12.2023
- Underwriting of conventional, FHA, VA and Non QM files based on based on 4 Cs(Credit, Collateral,
Capacity & Capital) Using Agency Guidelines.• Perform Credit and Collateral Risk Assessment. - • Ensuring to keep complete accuracy of Loan file.
- Working Knowledge of Automated Underwriting Systems.
- Calculating Qualifying income (employment, Self Employment, SSI, Pension and all other incomes)
- Post Funding audit of all QM and Non QM Loans.
- Review Appraisal, Income docs, Asset, Credit, title and all other agency Specified documents.
- Was also a part of additional 3 Part Auditing process for the client PRMG and documents audited was
appraisal , title and closing documents
Trans Process Associate- Underwriter
SUTHERLAND GLOBAL SERVICES
Cochin
09.2020 - 05.2021
- Have extensive knowledge in underwriting Fannie Mae and Freddie Mac loans
- Working knowledge in Automated Underwriting systems
- Determining Qualifying income
- Review of Conventional, FHA and VA loans
- review of title, Appraisal, Assets, Credit report, Insurance, Tax Documents etc
- calculating of Salaried income, self employment income , pension and SSI income
- Evaluating Debt and Loan to value ratios , Credit scores and other required information.
Analyst
FIDELITY NATIONAL FINANCIAL
Banglore
08.2018 - 03.2020
- Processing loan through MSP and doc velocity.
- Setup tax line MSP for different lines as per the documents like closing disclosure, tax certificate,
IEADS, First payment letter etc. - Calculate tax amount in MSP, verify due date and parcel id and add lines as per loan types.
- Verify documents with MSP and raise clarifications and rectify corrections necessary through MSP.
- Responsible for providing floor support which includes, processing loans, clarifying Doubts and
performing QC for completed loans. - Publishing daily report to team lead.
- Coordinated special projects in (Indexing and Bankruptcy) in loan care.
Education
MBA - Finance and HR - Finance & Human Resources
Happy Valley Business School
Coimbatore11.2018
B.com - Computer Applications - Computer Application
Saintgits College of Applied Sciences.
Kottayam03.2016
Grade 12 - Commerce - Commerce
C.K.M.N.S.S Senior Secondary School
Chalakudy05.2013
Skills
- Process analysis
- Problem-solving
- Teamwork
- Planning
- Decision Making
- Analytical skills
Accomplishments
- Won prizes in sports like cricket, football and table tennis.
- Won RNR 2 times for best performer in FNF India.
Additional Information
• Father's Name : M.X PAULY
• Gender : Male
• Marital Status : Single
• Nationality : Indian
• Blood group : AB+ve
Languages
- English
- Malayalam
- Tamil
Hobbies and Interests
- Reading
- Travelling
- Listening to music
Declaration
I hereby declare that the particulars furnished above are true to the best of my knowledge and belief.
REFERENCES
- Prajul K T(AVP) :9560273961
- Srijeeth (Assistant Manager) :9847701369
- Kiran ( Senior Underwriter) :7293103504
Timeline
Credit Analyst
QC Verify
12.2023 - Current
Senior Underwriter
Situs AMC
05.2021 - 12.2023
Trans Process Associate- Underwriter
SUTHERLAND GLOBAL SERVICES
09.2020 - 05.2021
Analyst
FIDELITY NATIONAL FINANCIAL
08.2018 - 03.2020
MBA - Finance and HR - Finance & Human Resources
Happy Valley Business School
B.com - Computer Applications - Computer Application
Saintgits College of Applied Sciences.
Grade 12 - Commerce - Commerce
C.K.M.N.S.S Senior Secondary School
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