Divyanshu Rai
U.S. Mortgage Loan File Reviewer & Underwriting Specialist | Pre-Underwriting, Closed Loan Review | Income, Asset & Credit Risk Assessment | 8+ Years BFSI | MBA (Finance)
- Role
- Assistant Manager at Genpact
- Location
- Jaipur, RJ, IN
- LinkedIn followers
- 500 followers
About Divyanshu Rai
Finance professional with 8+ years of experience in BFSI, specializing in U.S. residential mortgage operations including pre-underwriting, loan file review, and post-closing quality analysis.Experienced in analyzing borrower financials through detailed review of income, assets, and credit reports, along with calculating key metrics such as DTI, LTV, and CLTV. Strong understanding of the 4Cs framework to assess eligibility, risk, and documentation accuracy.Proficient in reviewing critical loan documents including 1003, Closing Disclosure, Loan Estimate, credit reports, and purchase contracts, while identifying discrepancies and resolving conditions in collaboration with stakeholders.Also bring experience in financial due diligence, document validation, and workflow prioritization, along with supporting team productivity through training and process improvement initiatives.Currently seeking to contribute as a Mortgage Underwriter in credit decisioning and loan quality assessment.
Experience
Assistant Manager
Oct 2024 — Present · Jaipur, IN
Income & asset analysisFinancial reviewRisk identificationStakeholder coordinationTeam handling
Education
University of Rajasthan
Bachelor of Commerce - BCom, Business/Commerce, General
2008 — 2011
Rajasthan Institute of Engineering & Technology (RIET-Jaipur)
Master of Business Administration (M.B.A.)
2015 — 2017
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