Himanshu Arora

About Himanshu Arora

As a Senior Analyst at OPX America, my focus is on underwriting US mortgage loans with an eye for compliance and risk management. With a strong grasp on the complexities of loan guidelines and a commitment to precision, I\'ve been pivotal in ensuring that our loan decisions are compliant and advantageous for our clients. My expertise is reflected in my adept handling of income, credit, asset, and collateral assessments to determine borrowers\' qualifications. The ability to multitask while maintaining high standards of quality is central to my role, where I also contribute by training new team members. Collaborating closely with loan officers in the USA, I facilitate effective loan decisions that uphold our company\'s values of integrity and excellence. My work directly impacts the organization\'s reputation, consistently aiming to enhance our service delivery through meticulous risk analysis and steadfast adherence to ever-evolving guidelines.

Experience

1. Senior Analyst

   3n Performance

   Apr 2024 — Present · Bhubaneshwar, IN

   Responsible of underwriting US Mortgage Loans.• Review Income, Credit, Asset and Collateral and based on the overall assessment help to make decision on the loan.• Responsible of calculating qualifying income of the borrower and reviewing the credit of the borrower to determine the DTI ratios on mortgage loans.• Analysing the risk of a particular loan on the basis of different risk factors, guidelines and ratios.• Compliance check of the Mortgage loans as per different guidelines.• Communicate and work with loan officers in USA to determine the best possible way to achieve a loan decision.• Staying current with all Agency, Investor and Company\'s guidelines.• Provide training to the newly joined member in our team and provide all the resolution on the queries raised by them.

Education

• Pondicherry University

  Master of Business Administration (M.B.A.)

  2014 — 2016

• Aligarh Muslim University

  Bachelor's Degree