Thanish Kumar D B
Senior Mortgage Underwriter @ Concentrix | Ex-Altisource | Ex-Fidelity | MBA Finance | B.Com | Expert in Credit Decisioning, Risk Assessment & Credit Analysis
- Role
- Senior Mortgage Underwriter at Concentrix
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Thanish Kumar D B
With an MBA in Finance from the Community Institute of Management Studies, I’ve developed strong analytical skills that support my role as a Senior Mortgage Underwriter. My core competencies include mortgage loan verification, comprehensive customer service, and detailed credit analysis—all aimed at ensuring accuracy and client satisfaction throughout the loan process.In my roles at Altisource and currently at Concentrix, I focus on maintaining the integrity of property-related documentation with a meticulous and solutions-driven approach. I am responsible for making underwriting decisions—approving, declining, or recommending loan terms based on in-depth analysis. My ability to identify and resolve documentation issues has contributed to more efficient and accurate loan processing. Through collaborative teamwork, we have consistently enhanced service delivery, reflecting our commitment to excellence and the value of diverse expertise in achieving business goals.
Experience
Senior Mortgage Underwriter
Jan 2025 — Present · Bengaluru, IN
As a Senior Mortgage Underwriter, I assess and underwrite residential home loan applications in line with APRA guidelines and lender credit policies. I conduct detailed credit risk analysis on borrower profiles, including income verification, liabilities, LVR, and serviceability ratios such as DTI. My role involves reviewing complex loan scenarios, including self-employed, investment, interest-only, and high-LVR cases. I ensure the accurate validation of financial documents in line with Australian mortgage standards and collaborate with brokers, credit teams, and internal stakeholders to streamline approvals and improve turnaround times. I maintain strict compliance with relevant regulations, including NCCP and AML, while proactively identifying high-risk applications to support portfolio quality. I also provide guidance and quality oversight for junior underwriters, contributing to training and continuous process improvements.
Education
Bangalore University
Sacred Heart Composite P.U College, CEBA
2010 — 2012
Community Institute of Management Studies, #2 Block, Jayangar, Bangalore -11
Master of Business Administration - MBA, Accounting and Finance
2015 — 2017
St Joseph's Institute of Management
Bachelor of Commerce (B.Com.), Accounting and Finance
2012 — 2015
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