Senior Underwriter

Mobile 512-***-****

Email ac8v0l@r.postjobfree.com

Harsha Parambath

A Professional with 5 years of experience with good and consistent track record in the organizations served. Possess good communication skills, strong work ethics and multitasking capabilities.

Education Qualification – Bachelor of Technology in Computer Science, Masters in Business Administration

Areas of Expertise

Underwriting Conventional, FHA & VA loans considering the combined layers of risk such as Credit, Collateral, Capital and Capacity.

Auditing Funded loans and arriving at the findings on Underwriter’s decision to identify the risk involved in Purchasing those loans by the wholesale investor

Updating Client system with loan information and decision.

Generating Reports for Productivity and Quality

Experience – 5 years in core underwriting

Nov 2016- Feb 2017

Envoy Mortgage ( US Clients)

Bangalore, India

Senior Underwriter, Income & Assets Audit

Quality Control on closed loans

Underwriting of income and asset documents

Pulling Credco and Lexis Nexus report

Capacity to Review 7 loans per day

Quatrro (US Clients)

Chennai, India

Dec 2010 – Jul 2011

Senior Underwriter, Mortgage Underwriting

Managed the team of 5 associates who basically performs the role of a Reviewer.

Created SOP & Process Map for the newly transitioned process.

Played a role of Client Contact person for all Process related updates and queries

Capacity to Review 5 loans per day at QC stage.

Jan 2007 – Nov 2010

Zenta (US Clients)

Chennai, India

Senior Analyst, Auditor

Played the role of Post Close Auditor.

Maintained Client updates and Feedbacks.

Trained 11 Analyst internally to improve their quality and productivity

oQuality has improved from 90% to 98.5% which meets the Client expectations

oProductivity has increased from 2.5 to 4 loans per day which has helped the team to deliver monthly target a week before the actual

Developed the Mentor-Mentee Program to achieve more number of Reviewers

Conducted Assessments on Process updates and feedback to meet Client expectations

Implemented 23 Kaizen Ideas which had helped the team to lower the Cycle time from 4hours to 3.25 hours

Trained 13 new hires on Mortgage Basics, Concepts & Underwriting.

Implemented Green Start Initiative to create competition among team members on their Domain, Quality, Productivity & Cycle time

Audited on an average of 4 loans per day which includes Conventional, FHA & VA

As a Trainer

Performed the role of underwriting trainer after production hours to develop domain of internal resources.

Mapped the team with a group of Mentee for a Mentor and successfully launched the Mentor-Mentee program. The same has been approved and followed across all teams in the company.

Additional Tasks Performed

Prepared Process Maps & SOP’s for easy understanding of the process. Updated the procedures as and when updated were received from client. This has helped the team internally to stabilize the process for smooth functioning.

Worked with Software team to upload the Client Feedback tracker and Updates tracker in the Online learning system called “Gurukul”. This has helped the entire team to keep them updated on all happenings in the process.

Harsha Parambath

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