SWAGAT RANAJIT
Underwriter
Puri,Odisha
Summary
Results-oriented mortgage professional specializing in FHA, Conventional, and Fannie Mae underwriting. Enhanced operational accuracy through strategic communication and process improvements. Implemented feedback loops that reduced defect rates and improved loan processing quality and efficiency. Focused on driving performance in mortgage operations while promoting teamwork.
Overview
3
3
years of professional experience
Work History
Lead Associate
WNS Global Services
11.2025 - Current
- Conducted quality audits on conventional and FHA loans to ensure compliance and accuracy, leading to improved processing standards.
- Evaluated loan integrity by analyzing financial components: capacity, capital, collateral, and credit.
- Prepared weekly audit dumps and production quality reports through raw data extraction to monitor processing accuracy.
- Synthesized findings into monthly presentations for senior leaders, emphasizing key metrics and actionable insights.
- Performed root cause analysis to identify and address elevated error rates in underwriting fields.
- Facilitated 5 Whys feedback sessions to identify and resolve operational issues, improving accuracy and accountability within the team.
- Led process improvement initiatives through weekly calls and feedback loops, driving alignment on quality standards and reducing defect rates.
- Company Description
- Company Description
Mortgage Analyst
Quattro Mortgage Services
03.2024 - 03.2025
- Underwrote FHA loans, utilizing advanced credit/income analysis, ensuring state/federal compliance. Evaluated credit profiles and diverse income streams. Conducted desktop underwriter reviews analyzing DTI/LTV ratios. Verified data for accuracy, noted for regulatory compliance and judgment.
- Assessed borrower creditworthiness and risk factors through detailed review of financial documents, ensuring informed lending decisions
- Ensured compliance of mortgage applications with company policies and regulations through thorough analysis
- Streamlined application review process in collaboration with loan officers, enhancing workflow efficiency
Mortgage Underwriter
OPX-America
11.2023 - 08.2023
- Underwrote residential mortgages, recommending loans for approval based on thorough analysis of borrower qualifications and property valuations
- Reviewed loan files for completeness and accuracy, analyzing credit history, income documents, appraisals, and title documents to mitigate risk and ensure compliance with standards
- Evaluated debt ratio, loan-to-value ratios, credit scores, and property valuations
- Authorized terms and conditions for residential commitment letters, ensuring alignment with client policies and adherence to regulatory requirements to facilitate timely loan processing
- Conducted credit investigations and validated credit information, income confirmation, and down payments to support informed underwriting decisions
- Ensured strict compliance with client policies and procedures, along with state, federal, and municipal laws
Transaction Coordinator
OPX-America
11.2023 - 08.2023
- Coordinated transaction and loan setup activities, enhancing processing workflows and supporting timely loan closings.
- Reviewed and fulfilled loan application 1003-URLA and necessary items, issuing initial disclosures and re-disclosures to facilitate compliance.
- Ordered and secured third-party documents, including E-VOEs, title packages, and appraisals, guaranteeing timely availability for seamless loan processing.
- Proactively communicated loan status to stakeholders while reviewing third-party documents to meet loan requirements.
- Coordinated transaction and loan setup activities to streamline processing and improve efficiency.
- Conducted comprehensive reviews of tax documents (1040 tax returns, 1040-C, 1065, 1120, and 1120-S) ensuring accuracy and resolving discrepancies.
- Ensured timely follow-ups through effective third-party calling and interactions.
Education
Master's - Finance and Control
B.J. B. Autonomous College
BBSRBachelor of Commerce - Commerce
SCS(Autonomous) College
PuriIntermediate of Commerce - Commerce
SCS(Junior) College
PuriMatriculation - undefined
Puri Zilla School
PuriSkills
Mortgage underwriting
Credit analysis
Credit analysis and investigations
Loan documentation
Review of tax documents
Regulatory adherence
Financial risk assessment
Wage calculations
Income verification
Analytical decision-making
Problem-solving
AI tool proficiency
Accomplishments
- Quality Analyst
- Got appreciation mails from the client for delivering legendary customer services
- Received appraisal from my current organization for my performance
- Describe what you did and the impact it had.
Timeline
Lead Associate
WNS Global Services
11.2025 - Current
Mortgage Analyst
Quattro Mortgage Services
03.2024 - 03.2025
Mortgage Underwriter
OPX-America
11.2023 - 08.2023
Transaction Coordinator
OPX-America
11.2023 - 08.2023
Matriculation - undefined
Puri Zilla School
Intermediate of Commerce - Commerce
SCS(Junior) College
Bachelor of Commerce - Commerce
SCS(Autonomous) College
Master's - Finance and Control
B.J. B. Autonomous College