Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Websites
Software
Languages
Timeline
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Shyam Thasthaheer Syed Mohammed

Mortgage & Insurance Underwriter
Chennai,TN

Summary

Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled mortgage underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.

Overview

11
11
years of professional experience
3
3
Certifications
3
3
Languages

Work History

Senior Mortgage Underwriter

RCH Service India Pvt. Ltd (ROC 360)
01.2021 - Current
  • The key role is to collaborate with mortgage processing and underwriting teams to gather and analyze business requirements for credit background risk reports, appraisal, loan pipeline analysis, and loan servicing metrics, including the performance reports for individual teams.
  • Enhanced team productivity by streamlining workflow processes and implementing time-saving strategies.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Mentored junior analysts, fostering professional development while enhancing overall team performance.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements.

Senior Associate

WIPRO
01.2019 - 01.2021
  • Performed the final steps of U.S. mortgage loans with speed and accuracy.
  • Trained and supported new team members, maintaining culture of collaboration.
  • Collaborated with cross-functional teams to drive successful completion of complex projects within deadlines.
  • Worked with lenders, borrowers, title companies, and attorneys to follow all rules and policies.
  • Checked and verified closing documents, disclosures, and settlement statements.
  • Handled any problems or differences that came up during the closing process, and communicated well with all parties involved.
  • Kept a high level of customer satisfaction and professionalism throughout the closing process.

Senior Process Consultant

Sutherland Mortgage Services Inc.
01.2015 - 01.2018
  • Working with the onshore team to collect the necessary loan documents and order services such as appraisal, title, insurance, employment, tax, AUS, and fraud reports.
  • Completing the underwriting conditions before sending the loan application to the underwriter.
  • Handling any conditions from the underwriting departments, and calculating the debt-to-income ratios from the financial statements.
  • Evaluating the credit, capacity, cash, and collateral of the loan applicants, and making approval or denial recommendations.
  • Checking the conventional loans for compliance with Fannie Mae/Freddie Mac guidelines, and verifying the accuracy of the loan and closing information.

Education

Bachelor of Arts - Computer Science

VLB Janakiammal College of Arts & Science
Coimbatore, Tamilnadu, India
04.2001 -

Skills

Strong decision-making

Certification

Completed Cisco Certified Data Analytics Essentials

Accomplishments

  • Implemented a new audit checklist that reduced error rates by 30%.
  • Mentored and trained 12 new associates for improving the team productivity
  • Appreciated by onshore client as a Top Performer for timely and accurate loan reviews.

Websites

Software

My Sql

Microsoft Power BI

Languages

English
Intermediate (B1)
Tamil
Advanced (C1)
Malayalam
Intermediate (B1)

Timeline

Senior Mortgage Underwriter

RCH Service India Pvt. Ltd (ROC 360)
01.2021 - Current

Senior Associate

WIPRO
01.2019 - 01.2021

Senior Process Consultant

Sutherland Mortgage Services Inc.
01.2015 - 01.2018

Bachelor of Arts - Computer Science

VLB Janakiammal College of Arts & Science
04.2001 -

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Shyam Thasthaheer Syed MohammedMortgage & Insurance Underwriter