Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
Generic
Udaya Kumar S

Udaya Kumar S

Chennai

Summary

Accomplished and results-driven Mortgage Process Trainer with 5 years of experience in the mortgage industry, specializing in training teams on mortgage underwriting, loan processing, and compliance. Proven expertise in designing, delivering, and refining training programs to enhance team performance, streamline processes, and ensure adherence to regulatory standards. Adept at coaching and mentoring mortgage professionals on complex underwriting guidelines, risk management, and industry best practices. Demonstrated ability to lead training initiatives, improve operational efficiency, and foster a culture of continuous learning within dynamic, fast-paced mortgage environments.

Overview

5
5
years of professional experience

Work History

Functional Consultant [Process Trainer]

TCS
Chennai
03.2022 - Current
  • Provided thorough documentation on all quality control activities and results.
  • Ensured compliance with company standards, regulations and procedures related to quality control.
  • Instituted necessary corrective measures to enhance loan quality.
  • Conducted onboarding sessions to orientate new staff members about company policies and procedures.
  • Designed and developed training materials for new employees in the organization.
  • Organized and facilitated classroom workshops, webinars, and one-on-one coaching sessions.
  • Documented all training activities including attendance records, feedback forms, surveys.
  • Provided feedback on employee performance based on observed results during training sessions.
  • Developed assessment tests to evaluate trainees' knowledge of course material.
  • Analyzed data from pre-and post-training assessments to measure effectiveness of training programs.
  • Collaborated with subject matter experts to ensure accuracy of content being delivered to trainees.

Underwriting Analyst 3

Altisource Business Solutions Pvt Ltd
06.2021 - 03.2022
  • Conducted comprehensive reviews of mortgage underwriting processes pre- and post-funding.
  • Reviewed capacity, collateral, cash, and credit across various mortgage types including conventional, FHA, VA, USDA loans.
  • Handled team queries and escalations.
  • Verified underwriter loan processing for adherence to client requirements.
  • Shared new process updates and changes with clients.
  • Organized discussions for resolving process-related issues.
  • Monitored and maintained various trackers such as MOM, QC report, and attendance tracker.

Live Underwriter

Verity Global Solutions
Chennai
02.2021 - 05.2021
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Analyzed financial information including income, assets, liabilities and credit history of applicants.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Established maximum loan amounts according to underwriting standards and communicated decisions to customers.

Mortgage Underwriter

First Source Solutions Ltd
Chennai
09.2019 - 08.2020
  • Reviewed and analyzed loan applications for completeness and accuracy.
  • Assessed risk levels associated with each loan application based on established criteria.
  • Calculated debt-to-income ratios to ensure compliance with industry standards.
  • Verified employment history and income of applicants.
  • Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
  • Determined whether or not to approve or deny a loan application in accordance with company guidelines.
  • Identified potential issues related to title, appraisals, insurance coverage.

Education

Bachelor Of Engineering -

PSG Tech
01.2018

Higher Secondary (HSC) -

Roverschool of excellence
Perambalur
01.2014

Secondary School Leaving (SSLC/10th) -

St.Andrews matric hr. Sec. school
01.2009

Skills

  • Proficient in Building Relationships
  • Maintain Composure During Challenges
  • Deadline-Oriented Task Delivery
  • Trustworthiness Evaluation
  • Sensitive Data Handling
  • Open-Minded Learner
  • Team coordination and collaboration

Accomplishments

  • Wing 2 Milestones
  • Quarterly performance award

Languages

Tamil
First Language
English
Intermediate (B1)
B1

Timeline

Functional Consultant [Process Trainer]

TCS
03.2022 - Current

Underwriting Analyst 3

Altisource Business Solutions Pvt Ltd
06.2021 - 03.2022

Live Underwriter

Verity Global Solutions
02.2021 - 05.2021

Mortgage Underwriter

First Source Solutions Ltd
09.2019 - 08.2020

Bachelor Of Engineering -

PSG Tech

Higher Secondary (HSC) -

Roverschool of excellence

Secondary School Leaving (SSLC/10th) -

St.Andrews matric hr. Sec. school

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Udaya Kumar S