Experienced Internal Auditor skilled in credit, operational, and compliance audits. Proficient in IAMS like Pentana, with expertise in high-value and afforfdable housing loan reviews, regulatory adherence.
Overview
13
13
years of professional experience
3
3
Languages
Work History
Internal Auditor AM-II
PNB Housing Finance limited
03.2023 - Current
Conducted credit, operational, and legal audits of high-value and affordable housing cases, ensuring compliance with RBI norms and internal policies.
Prepared Branch Audit Reports using IAMS – Pentana, highlighting risk ratings, compliance gaps, and actionable recommendations.
Executed Vendor, Docket, and Snap Audits, assessing documentation, operational efficiency, and real-time compliance.
Trained junior auditors and collaborated with stakeholders to resolve audit issues and drive continuous process improvements.
Auditor
Firstsource Solutions Pvt Ltd.
02.2020 - 07.2022
Analyzing credit and income documents like Credit report, Pay stub, Tax returns, Bank statement etc and identifying the credit worthiness of the Borrower.
Calculating DTI ratios by analyzing Borrower’s income and debts to see that loan meets the agency guidelines or internal overlays and communicating with clients about the requirements/restrictions on the file.
Evaluate overall loan documents for accuracy, completeness and compliance ensuring the loan is marketable.
Monitoring AML and Compliance check to ensure Borrower is not involved in any fraudulent activities.
Sr. Analyst (Mortgage Underwriting)
Altisource Business Solution Pvt Ltd.
07.2015 - 01.2020
Maintained a working knowledge of all current underwriting guidelines, federal and state lending laws and have the ability to comprehensively explain all to others while processing the mortgage loan files.
Stringently look for the Appraisal, Title Report, Hazard Insurance and Flood Certificate in the mortgage loan files.
Effectively and quickly communicate any areas of concern within a loan file to the underwriter.
Maintain compliance with all company policies and procedures.
Accumulation of Refinance VA and FHA loans and sorting as per their ageing.
Preparation of 10 Day letters in case of aged loans and sent to Borrower through Onshore Loan Processor and Loan Officer.
Email and continuous communication with the Title teams, Offshore, Loan Officer and Onshore Processors for timely attainment of documents.
Scrutiny and of Follow up of the required documents as per the basic and specific requirements as per standard checklist prepared for smooth operation after the origination of the file.
Working on the conditional approvals from the underwriters in case of subordinations loans and any such special cases.
Associate (Quality Control)
Altisource Business Solution Pvt Ltd.
10.2012 - 07.2015
Reviewing the funded loans so that the same can be sold in secondary market.
Loans which are not eligible are escalated to higher management.
Preparing Compliance Report on weekly basis for onshore.
Acting as a backup person in training team.
Associate (Quality Control)
STATE STREET SYNTEL SERVICES PVT LTD (SSSPL)
09.2012 - 04.2015
Worked for Pacific Investment Management Cooperation (PIMCO) which are the largest Investment Company in the world.
Worked for Derivative product called Swaps.
Swaps settlement (To settle the fail trades, co-ordinate with broker and custodian, complete monthly project and audit, directly contact with broker and custodian on mails and with telephonic conversation).
Education
Bachelor of Commerce -
Mumbai University
04.2001 -
12th Board -
Maharashtra Board
Mumbai
04.2001 -
10th Board -
Maharashtra Board
Mumbai
04.2001 -
Skills
Audit planning
Disclaimer
I hereby declare that the information furnished above is true to the best of my knowledge.