Quality Assurance Process Improvement

Amit Pandey

*** ********** *** ***#* Rochester NY 14623

315-***-**** | ************@*****.***

Extensive experience as certified mortgage underwriter with advanced-level skills in process improvement methodology (Certified Six-sigma Green-Belt). Thorough understanding of US mortgage industry with two months onsite training in Irwine, California.

WORK EXPERIENCE

WNS Global Services, India and UK, Jan 2006 to Aug 2010

Assistant Quality Manager (Certified Green Belt)

Delivered process improvement projects using six-sigma methodology in the Insurance domain

Projects accomplished:

• Bonds New Business End-to-End TAT Reduction, Project Lead, 2009

• Simple Common Journey, Team member, 2008

• Customer Journey and Communication, Team member, 2007

• Protection - Premium Matching in Monies In process, Project Lead, 2006

WNS Global Services, India, Apr 2004 to Dec 2005

Team Leader (Quality Assurance)

Conducted quality checks for intermediary business of claims recovery process, identified areas of process improvement, handled escalation calls, managed new updates and cascaded the same to the team, identified training needs and conducted refresher trainings

GE Capital International Services, India, Dec 1998 to Mar 2004

Underwriter

Analyzed risks in mortgage lending and ascertained compliance to guidelines from investors (banks), Freddie Mac, and Fannie Mae

Key responsibilities included:

• Credit Reconciliation: Pulling credit reports and thorough analysis of credit history of the borrower provided by various credit agencies thereby evaluating FICO score, late payments, collection accounts, delinquencies, foreclosures, bankruptcies and tax liens

• Underwriting: Validating monthly income & expenditure of the borrower on the basis of pay stubs, Form 16, Tax Returns, liquid assets and reserves from the bank statements, liabilities, other mortgage payments and analyzing the repayment capacity using Housing Debt Ratio and Total Debt Ratio; Analyzing the investor and federal guidelines and accordingly generate recommendations (Approved, Hold or Decline) and the conditions for loan disbursement

EDUCATION AND TRAININGS

• Associate Degree (Economics, English, Political Science), Calcutta University (India), June 1995

• Higher Diploma in Software Management, Aptech (India), May 1995

• Level II Mortgage Underwriting Certification Training, Irwine CA, 2003

• Six Sigma Green Belt, Pune (India), 2004

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