Harshith Rao Pawar
Underwriting Analyst || Lead Business Execution Administrator || Quality Assurance analyst || Retail Quality control and testing || Credit risk || Mortgage loan origination || Loan processing and underwriting
- Role
- Underwriting Analyst at Mr. Cooper
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Harshith Rao Pawar
Experienced and reliable Underwriter, Quality Assurance analyst and a trainer with over 6…
Experience
Underwriting Analyst
May 2024 — Present · IN
Responsible to review and underwrite mortgage loans in accordance with established policies and procedures and appropriate guidelines. • Review and analyze the mortgage loan application and all documentation to ensure eligibility, accuracy, completeness and compliance with internal and regulatory guidelines to minimize risk factors. • In dept review of 4 C’s - credit, capacity, capital and collateral.• Conduct comprehensive review of the credit report, verifying borrower details, credit score, liabilities, inquiries, residential history, bankruptcy, foreclosure, judgements, alerts, public records and other relevant information.• Calculate various types of income including wage earner, self-employed, rental income, pension, retirement, social security, VA, disability, alimony, child support and other types of income and ensuring accurate assessment of borrower qualifications.• Verify all asset documents including personal bank statements, retirement accounts, gift letters, investment account and other accounts for closing and reserves.• Thorough review of bank statements to verify available balances, large deposits, recurring withdrawals and identify potential red flags.• Conduct comprehensive review of collateral documents, including appraisal reports, title reports, purchase contracts, Hazard insurance, tax certificates, flood insurance, HOA statement and other property related documents• Validate loan eligibility criteria, LTV, CLTV, HCLTV, DTI and HTI ratios in accordance with the guidelines.• Responsible for making independent decisions regarding acceptance and risk of loans according to company and investor guidelines. • Provide final approval underwriting of mortgage loans. • Interacting with Mortgage Professionals and loan processors to obtain information from
Education
Seshadripuram Degree College
Bachelor of Commerce
2014 — 2017
Seshadripuram First Grade College
Bachelor of Commerce - BCom
2014 — 2017
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