Sridharan S
Chennai
Summary
Results-driven Mortgage Underwriter with 6.5 years of experience in the U.S. residential mortgage industry, specializing in FHA, VA, and Conventional loans. Demonstrates strong customer service skills and a profound understanding of mortgage loan products and regulations. Proven ability to perform under pressure while effectively multitasking and collaborating within teams. Adept at data tracking, report writing, and delivering presentations to business leaders, contributing to improved operational efficiency.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Banking Operations Specialist
Accenture Solutions Private Limited
Chennai
02.2024 - Current
- Evaluate and verify the loan documents and underwriting documents to check the accuracy of the loan. Analyzing the legal document to ensure accurate booking, billing, and cash application takes place.
- Provides support services to the relationship manager by performing account-related client activities, which include processing transactions, and account setup maintenance.
- Ensuring the continued maintenance of loans once they are booked into the client system. Working on the multiple servicing requests, such as payment reversals, billing schedules, payoff letters, rate setup, and clearing the outstanding wires, and posting the payment to clear the discrepancy.
- Review the complex loan servicing across monetary. Handles loan-related client servicing requests, issues, and concerns. Focus is on the transaction of high size, risk, complexity, and/or industry specialization.
- Perform a review of the loans processed by analysts, and correct any errors. Identify the loan servicer's error, and raise an online request to correct the system.
- Training new hires, as well as providing cross-training for experienced resources.
- Supporting the team by generating reports for the month-end daily reports, factory model, handing deck calls, etc.
Senior Underwriter
WIPRO LIMITED
Chennai
09.2020 - 02.2024
- Evaluate 4C of Underwriting
- Validated decision findings based on agency investor guidelines utilising FNMA Desktop Underwriter and FHLMC Loan Prospector automated underwriting systems
- Calculated income using documentation required per investor, questioning any large changes in income
- Review transmittal & 1003 to make sure it is accurate and complete
- Reviewing and verifying loan applications, Closing disclosure, Note, Deed of trust and supporting documentation
- Reviewed credit report and compare to liabilities on 1003
- Review assets statements to compare to required assets and Documented and sourced any recent large deposits
- Provide 100 % Deliverable to client requirements
- Follow tight deadlines, Time management skills developed through working on with different process
Loan Servicing Specialist
Tata Consultancy
Chennai
09.2016 - 12.2020
- Supporting to the US client for Loan servicing
- Maintains the Conventional and FHA streamline account
- Handling all Order outs and onshore documents with the help of indexing
- Handling 3rd party services
- Controlling the Initial approval, Processing and Decision Render milestone
- Reviewing all closing documents such as Note, Title, Deed, Appraisal, 1003, AUS, CD along with Income, Credit and Assets documents
- Update data on the systems as soon as received documents
- Communicate loan status and issues with loan officer and supervisor through email
Education
Certified Investment Banking Operations Professional (CIBOP) -
Learning Private Limited
12.2020
B.Com - Commerce
Thiruthangal Nadar College
Chennai05.2016
12th StateBoard - Commerce
K.C.SankaralingaNadarHigher - SecondarySchool
05.2013
Master of Diploma - Information Technology
TNIT
06.2011
10th -
K.C.SankaralingaNadarHigher - SecondarySchool
05.2011
Skills
- Interpersonal communication
- Planning and coordination
- MS Office
- Organization and time management
- Loan documentation
- Loan underwriting
- Data analysis
- Transaction processing
Certification
- Certified Investment Banking Operations Professional (CIBOP), 07/01/23
- Lead Smart Assessment, 07/01/23
Hobbies and Interests
- Bike Riding
- Travelling and exploring
- Cultural Activities
Personal Information
Title: Underwriter
Accomplishments
- Have performed in best in quarter-end during high volume and received RNR award of the Jan to March
Timeline
Banking Operations Specialist
Accenture Solutions Private Limited
02.2024 - Current
Senior Underwriter
WIPRO LIMITED
09.2020 - 02.2024
Loan Servicing Specialist
Tata Consultancy
09.2016 - 12.2020
Certified Investment Banking Operations Professional (CIBOP) -
Learning Private Limited
B.Com - Commerce
Thiruthangal Nadar College
12th StateBoard - Commerce
K.C.SankaralingaNadarHigher - SecondarySchool
Master of Diploma - Information Technology
TNIT
10th -
K.C.SankaralingaNadarHigher - SecondarySchool
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