Ashwin P

Senior Mortgage Underwriter @ WNS

About

"I am a Senior Mortgage Underwriter with 5+ years of experience specializing in US Mortgages. I have a passion for analyzing and prioritizing complex workflows in changing business environments. Currently, I work with WNS as a Senior Underwriter covering Loan Processing, Live Underwriting, Post-Closing, and Pre-Purchase Underwriting. My expertise lies in reviewing the '4 C's' of Underwriting: Capacity, Credit, Capital, and Collateral."

Country

India

City

Karnataka

Industry

Financial Services

Skill

Underwriting, Team Leadership, Team Building, Communication, Banking mortgage, Operations Management, Team Management, Time Management, Mortgage Underwriting, Credit Analysis, Debt-to-Income Ratio (DTI) Analysis, Team Coordination, sharp learning curve, Financial Analysis, innovative, Finance, Business, Tally ERP, Post Closing, Quantitative Analytics

Experience

Senior Mortgage Underwriter

WNS

2025-6 - Present · 1 yr 4 mos

India

Lead Associate

INDECOMM

2024-9 - 2025-6 · 10 mos

Bangalore

Having around 5 years of experience in Live Underwriting and PCR-Post Closing Underwriter/PPR-Pre-Purchase Underwriter. Reviewing 4 C’s of Underwriting i.e. Capacity, Credit, Capital and Collateral. Analysis & Review of US Residential Mortgage Loan application and supporting documents such as Credit Report, Appraisal Report, Income documents, Title report, Final CD, Bank Statement etc. Auditing all the documents related with Property Mortgage specially Income documents i.e. Paystub, W2, VOE, Tax Returns 1040(Schedule C and E, 1065, 1120S, K1 etc. Preparing daily workloads for staff & coordinating the daily allocation of work. Implementing new initiatives and raising conditions and making recommendations on the file apart with assisting new batches along with handling process related doubts. Ensures that the documentation meets Fannie Mae and Freddie Mac compliance standards

Process Specialist

Infosys BPM

2023-8 - 2024-9 · 1 yr 2 mos

Bengaluru, Karnataka, India

Lead Associate

INDECOMM

2019-12 - 2023-8 · 3 yrs 9 mos

Bengaluru, Karnataka, India

Having around 3.06 years of experience in Live Underwriting and PCR-Post Closing Underwriter/PPR-Pre-Purchase Underwriter. Reviewing 4 C’s of Underwriting i.e. Capacity, Credit, Capital and Collateral. Analysis & Review of US Residential Mortgage Loan application and supporting documents such as Credit Report, Appraisal Report, Income documents, Title report, Final CD, Bank Statement etc. Auditing all the documents related with Property Mortgage specially Income documents i.e. Paystub, W2, VOE, Tax Returns 1040(Schedule C and E, 1065, 1120S, K1 etc. Preparing daily workloads for staff & coordinating the daily allocation of work. Implementing new initiatives and raising conditions and making recommendations on the file apart with assisting new batches along with handling process related doubts. Ensures that the documentation meets Fannie Mae and Freddie Mac compliance standards

Junior Executive

Shriram Finance Limited

2015-8 - 2016-7 · 1 yr

Bengaluru, Karnataka, India

Will be responsible for all Business processing (Commercial Vehicle Loan) of the branch. Appraising proposals, Verification of KYC documents as per company credit policy. Scrutinizing relevant documents before Sanctioning/Disbursing loan. Post Sanctioning follow-up Disbursal of loan. Recovery of bad debts, Monitoring timely renewal of accounts/insurance. Ensuring high customer satisfaction, Building and maintaining business relationship with Clients/Customer Handling cash Opening/Closing and Cash remittance to the bank (Cashier)