Manager Mortgage

Chirag K. Amin Cell: 716-***-****

* ****** *****, ***********, ** 14227 E-mail: ******.*.****@*****.***

Summary

An analytical individual with high-level communication and organizational skills that thrives in team settings, but is also able to excel independently in a high paced environment.

Education

Master of Business Administration – concentration: Management and Finance – May 2010

Canisius College, Buffalo, NY

B.S.: Computer Engineering, May 2004

Minor: Management Information Systems

State University of New York at Buffalo, Buffalo, N.Y.

Professional Experience

CHUMS ID: EL-62

VA SAR ID: 017384

Underwriting Manager, Pinnacle Lending Group, Inc. February ’18 – Present

Complete review and evaluation of complex mortgage credit applications for all available products

Underwriting & Buffalo Operations Manager, Premium Mortgage Corporation, Williamsville, NY December '11 – January ‘18

Supervision of underwriters and Buffalo operations

Complete review and evaluation of complex mortgage credit applications – FHA including 203K, Conventional, CRA, Non-Conforming, VA, Portfolio

Proficient in all documentation type reviews

Responsible for second review on all mortgage loans

Underwriting & Processing pipeline management

Offer appropriate counteroffers as needed

Pre-evaluation of applications to verify applicant meets program guidelines

Senior DE Mortgage Underwriter, Hunt Mortgage, Lancaster, N.Y. March ’10 – December '11

Participant in the life of loan process – evaluating and providing a more efficient operations process

Complete root cause analysis of loans cited for deficiencies and recommend solutions.

Complete review and evaluation of complex mortgage credit applications – FHA, Conforming, CRA

Thorough understanding of LP/DU automated engines

Thorough knowledge of Freddie Mac, Fannie Mae, FHA underwriting guidelines

Responsible for the underwriting of mortgage loans

Offer appropriate counteroffers as needed

Pre-evaluation of applications to verify applicant meets program guidelines

Proficient in tax return analysis – personal and corporate

Senior DE Mortgage Underwriter, HSBC Mortgage Corporation, Depew, N.Y. April 04 – March ‘10

AWARDS: 2005, 2006, 2007 Masters Choice Award

Required meeting management performance standards

Required team supervision and performance management

Staff training

Document and evaluate procedural or policy weaknesses and/or inconsistencies to avoid actual or perceived risk to Mortgage Operations

Implementing management policies and directives

Responsible for creating a process workflow for processing and closing operations to provide higher efficiency and quality

Complete review and evaluation of complex mortgage credit applications – Alt A, Conventional, Jumbo, CRA, FHA

Thorough understanding of LP/DU automated engines

Thorough knowledge of Freddie Mac, Fannie Mae, FHA underwriting guidelines

Responsible for the underwriting and processing of mortgage loans

Provide technical support and problem solving/error report solutions on a needed basis

Responsible for compliance with all federal, state and company compliance policies

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