Mortgage Service

Murugesh Yogeshwar

B - ***, Victoria Heights, *th Floor, Manickpur Chulna Road, Landmark Chula Talav/Chulna Garden, Vasai Road West, Mumbai 401202 *************@*****.*** 952-***-****

DOB - 13/01/1993.

Objective

Seeking A Position That Will Utilize My Talent to Enhance the Growth of the Organization.

Educational & Professional Qualification:

•PGDM in Media & Advertising – Welingkar Institute - March 2017.

•T.Y. Bcom. - University of Mumbai- March 2013, G.G College Vasai.

•Higher Secondary Certificate– Mumbai Div. Board – March 2010, K.K. Shah College Vasai.

•Secondary School Certificate – Mumbai Div. Board – March 2008, B.K.S High School, Vasai.

Career Summary

Over 5.6 Years of Experience in The Areas of Modification Approvals for US Mortgage Service and 6 months as a Retention Specialist.

Employer

Worked for Ocwen Financial Solution Pvt Ltd from March 20, 2014 till September 02, 2019. I Was Last Designated as Senior Modification Analyst Process for USA mortgage service.

Worked for Call2Connect India Pvt Ltd as Retention Specialist from Jul 2013 – Jan 2014.

Key Jobs Responsibility Handled

•Comprehensive Knowledge of 4 C’s of Underwriting, Principles and Methods of Mortgage guidelines.

•Analyzing for credit reports like Payment History, 2 years of W-2 tax documents, pay stubs and Bank statements, Employment Verification letters and Tax returns.

•Reviewing and Calculating of qualifying income from various tax documents such as 1040s, Schedule E, 1065, 1120, 1120S, K1, transcripts, etc.

•Checking for the red flags such as NSF, bounced check or any recent large deposits.

•Analyzing and calculation of tax returns for Salaried, Self-Employed and rental Borrowers and Corporations.

•Calculating Loan-to-value (LTV) ratio and debt to income ratios (DTI) from financial statements, determining eligibility for loan.

•Analyzing of Appraisals documents such as the facts of the property, calculation of value signatures, and certificate inspections, Preliminary title Report, Title Commitment and all types of Income documentation.

•Analyzing and Calculating HECM (Reverse Mortgage) loan files such as Credit Risk Analysis, Senior’s age, payment history, Appraisal review. Calculation of the residual income and various income with documented income and expenses.

•Calculated income using documentation required per investor, questioning any large changes in income.

•Experience Working in Mortgage approvals - FHA, HECM, FNMA, FHLMC (Freddie & Fannie Loans), Conventional, VA, USDA & PHH Mortgage Service as per the Mortgage Underwriting Guidelines.

•Documentation for final modification and reviewing for Agreement QC received from the borrower for the modification plan.

Key Responsibility as Retention Specialist

My key responsibility as a Retention Specialist was to retain the existing Loop customer by resolving the Mobile Network and Data issues, handling inquiries and escalations, billing process of tenured Customers.

Skills

•Comprehensive Knowledge of the Principles and Methods of Modification Service.

•Ability to Interact Professionally with Customers and Coworkers, both in the Verbal and Written.

•Skilled in Prioritizing Work and Completing the Task with Minimum Supervision.

•Excellent Working Knowledge of Computer Applications like Microsoft Word, Excel.

•Typing 55-60 Wpm, Web and Tech Savvy.

Extra-Curricular Activities

•Watching movies, playing cricket, chess, and football.

Participated in the Mumbai university cricket team during college.

DATE: Place: Mumbai.

Murugesh Yogeshwar

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