Himanshu Saini
Process Executive @Infosys BPM
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WORK HISTORY
Process Executive @Infosys BPM
Jaipur, IN
EDUCATION
S S Jain Subodh P G College, Jaipur
Bachelor's of Computer Applications - BCA, Computer Applications and Programming
Amity University Online
Master of Business Administration - MBA, Accounting and Finance
ABOUT HIMANSHU SAINI
Dynamic US Mortgage Underwriting professional with hands-on experience in loan processing, credit analysis, and risk assessment across both conventional and government loan programs. Skilled in evaluating borrower eligibility by thoroughly analyzing credit profiles, verifying documentation, and assessing key financial indicators such as Debt-to-Income (DTI) ratio, Loan-to-Value (LTV) ratio, credit scores, and overall repayment capacity.Proficient in managing the full loan lifecycle—from pre-approval to closing—while ensuring every file meets agency, investor, and company guidelines. Known for the ability to manually underwrite complex loan scenarios, leverage AUS findings (DU/LPA), and maintain strong accuracy and quality scores.Core Competencies:1. Expert in DTI calculation and borrower affordability assessment2. Manual underwriting for complex or non-traditional borrower profiles3. Running and interpreting AUS recommendations (DU/LPA)4. Meeting production goals with strong adherence to SLAs and quality metrics5. Document collection, condition clearing, and compliance verification6. Loan approval, escalation, and risk-based decision-making in line with policyCommitted to delivering precise, compliant, and timely underwriting decisions while supporting borrowers and strengthening overall loan quality.
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