Financial services
Expert Analyst versed in US Mortgage Loan Origination, Credit Risk analysis & Underwriting assistance area. Offering 5+ years of experience in organizing, modeling and analysing data to assist in loan decision and timely closure of mortgage applications. Efficient, decisive, results-oriented analyst skillful in managing and breaking down large volumes of information. Proactive at heading off issues in operations, workflow and production by uncovering trends affecting business success.
Also experienced as a Team Leader in directing activities in highly competitive and tight deadlines setting to meet all the service level agreement with the US clients.
Talented at developing strategies, setting goals and training employees. Confident and decisive when communicating goals and vision to succeed. First-class problem solver with excellent interpersonal skills.
Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.Excellent reputation for resolving problems and improving customer satisfaction.
Ready to help team achieve company goals, organized and dependable professional successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Reviewing loan files according to the agency guidelines (FHA, VA, Fannie and Freddie, USDA, Non Conforming, Non QM).
Calculate and analyze multitudes of loan decision parameters LTV/CLTV/HCLTV/DTI
Verify and analyze complex financial statements, credit reports, mortgage statements, asset statements as well as personal and business income tax returns.
Analyze Appraisal report and collateral offered in the loan file to determine acceptability and calculate appropriate LTV ratios for decisions
Review the required conditions to approve loan and communicate requirements to appropriate parties.
Review and analyze compliance related documents. Verifying all the state and federal guidelines for loan compliance.
Problem-Solving
undefinedCredit Risk Analysis and Underwriting process
Financial services
Team development
Credit Risk Analysis and Underwriting process