Naveen Kumar M

US RESIDENCIAL MORTGAGE OPERATIONS

Underwriting 4C's

• Reviewed and assessed mortgage applications by analyzing income, employment history, assets, liabilities and credit bureau reports in line with Customer lending policies.
• Performed pre-underwriting checks and validated borrower documents including income, down payment and property details.
• Applied the 4C's of underwriting – Credit, Capacity, Capital, and Collateral to evaluate borrower eligibility and mitigate risks.
• Collaborated with cross-functional teams to resolve document discrepancies and support timely mortgage approvals.
• Prepared underwriting recommendations, escalations and risk assessments with a high level of accuracy and within SLA timelines.

MORTGAGE PROCESS

Credit Operations associated

• Handled login process, Quality checking of scanning documents,Basic data entry and Financial data entry ensure accuracy and efficiency in the loan application process
• Conducted credit appraisal Memo and disbursement tasks to assess the creditworthiness of applicants and facilitate timely loan disbursement
• Reviewed identity documents and KYC documents for loan applicants to verify the authenticity and Eligibility of applicants, mitigating fraud risk
• Contributed to asset retail operations for home loan operations by ensuring seamless end-to-end processes and optimal customer experience