Mortgage Loan

Arunkumar.R E-mail: *********@*****.***

Plot no.*9, Arivu Street, mobile no: 984*******

MKB Nagar, New Perungalathur, Chennai-600063.

Career Objective:

To obtain a meaningful and challenging position in a Reputed Firm that allows for Advancement.

Work experience:

First source pvt limited:

US residential mortgage (senior consultant Dec 2019-present)

Tata Consultancy Services:

•US residential mortgage industry-Senior consultant

As a senior consultant (May 2016 – Nov 2019)

Sutherland global services:

•US residential mortgage industry-Senior consultant

•As a consultant (June 2014 to September 2015)

•As a senior consultant (October 2015 – May 2016)

Roles and Responsibilities:

•Examine income documentation to verify that the borrower has the capacity to repay the loan, and calculate Housing expense ratio, debt to income ratio.

•Calculate income according to the Fannie Mae and Freddie Mac guidelines based on the documentation provided.

•Verification of documents like credit report,paystubs,W-2,WVOEand Bank statements

•Examine title document, appraisal document,Tax document and HOI document

•Clearing all the necessary conditions and making final decision on the file

.

Job Responsibilities:

•Working under dynamic and challenging environment to meet the daily targets, with best quality

•Followed up with the client updates accordingly to complete the assigned tasks.

•Maintaining accuracy with good productivity.

Accenture Credit Services:

•US Residential mortgage industry-Quality control

•As a analyst (December 2011 to November 2012)

•As a Reviewer (December 2012 to March 10,2014) Quality Control Audit:

•Ensure that all documents are legible and correct

•We will ensure borrower Name, address, loan amount, loan term, Assets and liabilities from the documentation provided

•Examine income documentation to verify that the borrower type of income borrower name, two years history, deductions, w2s, pay stubs.

•DU/ LP findings are borrower name, loan no, DTI ratios, loan amount, property address, matching du and 1008 value on AUS, liabilities matching.

Academic Review:

•MBA-Operations in "Bharathidasan university" 2012-2014 with 68%

•B.TECH (Information Technology) 2007 - 2011 62% at Tagore Engineering College under Anna University.

•H.S.C 2006 - 2007 with 62.5% from ShriNatesan matriculation higher secondary school.

•S.S.L.C 2004 - 2005 with 61.4 % from st.annes matriculation higher secondary school.

Technical Skills:

Programming Languages : Java (Basic)

Packages : MS- Office

Familiar OS : Windows

Certification:

•Oracle Certified Professional Java SE5 Programmer.

•Undergone basic networking training& “CCNA” training for six months in “Indian Institute of Hardware Technology”.

Achievements:

•Participated in “First Men National Championship” cricket held at Karnal (Haryana).

•Participated in National Level Tennis Ball Cricket Championship held at Bangalore.

•Won 2nd place in ADZAP Event held at Lord VenkateshwaraEngineering College. Assets:

•Good verbal and communication skills.

•A pleasing personality.

•A flair for dealing with people and ability to work in a multi-cultural group.

Hobbies:

•Cricket

•Hearing music

•Watching movies Personal Profile:

Name

: Arunkumar.R

Date of Birth

: 2nd Oct1989

Father’s Name

: Rathinam.P

Gender

: Male

Language known

: Tamil, English.

Marital Status

: Married

Nationality : Indian

DECLARATION

I do hereby declare that the particulars of information and details stated above are true and correct to the best of my knowledge and belief.

Place: Chennai Authentically,

Date: Arunkumar.R

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