T Rushendrakumar
Srinivasa Nagar Colony, Mallapur, Hyderabad, Telangana
Summary
Experienced US mortgage live underwriter with 3 years in the field and a background in post-closing analysis. Skilled in ensuring compliance with underwriting guidelines for residential mortgage loans. Strong ability to evaluate creditworthiness, property valuations, and risk exposure, leading to sound lending decisions. Competent in calculating DTI and LTV metrics for accurate loan assessments.
Overview
7
7
years of professional experience
Work History
Live Underwriting Analyst
Firstsource Solutions Ltd.
Bangalore
06.2019 - 01.2025
- As Live Mortgage Underwriter known for strengths in risk assessment, income, and Credit Analysis | Cash-Flow Analysis | Loan-to-Value & Debt-to-Income Ratio analysis. Followed investor underwriting guidelines and restrictions for conventional loan programs for conforming mortgages.
- Evaluated 4C'S to ensure compliance with underwriting guidelines
- Work collaboratively with team members to drive deals to successful funding and close.
- Adhere to FNMA and FHLMC guidelines.
- Having experience in FHA and VA loans.
- Analyzed borrower credit history and financial documents to determine loan
eligibility. - Made Careful determinations based on submitted documentation covering
credit histories, employment records, and current financial status. - Met 100% TAT and SLA on time consistently, Managed, tracked and
meeting or exceeding quality and productivity targets. - Reviewing and verifying loan applications and supporting documentation.
- Preparing reports on assessment findings.
- Analysis of Credit Reports and Bank Statements.
- Experience with both AUS and manual underwriting methods, including DU and LP.
- Working knowledge of industry-recognized LOS such as Encompass.
- Excellent time management skills.
Post Closing Analyst
Knowledge Splice Services Pvt Ltd.
Bangalore
12.2017 - 05.2019
- Engaged extensively in post-closing, pre-closing, loan delivery, and purchase clearing activities.
- Proficiency in H2O, Efile, and Softpro lender loan applications.
- Processed various loan types, including FHA, conventional, VA, and USDA, for purchases and refinances.
- Created purchase and compliance packages according to client checklists.
- Reviewed credit and closing documents to ensure compliance with investor requirements.
- Requested missing documents from lenders when they did not meet investor guidelines.
- Uploaded packages to investor and lender portals, updating loan status in applications.
- Maintained production reports and communicated updates to leads and clients.
Education
MBA - Finance
Seshachala Institute of Mangagement Studies
Tirupathi11-2016
B.com Computer Applications - Accounting And Finance
Sri Venkateswara University
Tirupathi06-2014
Skills
- Mortgage Industry Knowledge
- Credit Evaluation and Analysis
- Decision-Making Ability
- Communication and Interpersonal Skills
- Fannie Mae Desktop Underwriter (DU)
- Freddie Mac Loan Prospector
- DTI & LTV CALCULATIONS
- Well versed with MS Office and excellent at Typewriting (English)
- Residential mortgage Live Underwriting
- Post Closing, Loan Delivery, Purchase Clearing
Languages
Telugu
Native
Native
English
Proficient (C2)
C2
Tamil
Proficient (C2)
C2
Accomplishments
The best performance certificates were placed on the record of commendable service towards processing more files and approving.
Timeline
Live Underwriting Analyst
Firstsource Solutions Ltd.
06.2019 - 01.2025
Post Closing Analyst
Knowledge Splice Services Pvt Ltd.
12.2017 - 05.2019
MBA - Finance
Seshachala Institute of Mangagement Studies
B.com Computer Applications - Accounting And Finance
Sri Venkateswara University