Xavier S

Looking for Mortgage Underwriter with 3+ years of experience in core banking operations, credit risk analysis, and financial document evaluation.

Role: Process Associate at Tata Consultancy Services
Location: Chennai, TN, IN
LinkedIn followers: 500 followers

OperationsView LinkedIn profile

Experience

Process Associate
Tata Consultancy Services
Feb 2024 — Present · Chennai, IN
Review and validate mortgage loan files to ensure completeness and underwriting readiness. • Analyze borrower financial profiles including income, employment, assets, liabilities, and credit history. • Evaluate the 4Cs of Credit to assess eligibility and risk. • Calculate income and evaluate DTI, LTV ratios. • Review appraisal reports, purchase agreements, and collateral documentation. • Identify risk factors and fraud red flags. • Perform End-to-End (E2E) quality review on files cleared by underwriters. • Ensure files meet SLA, TAT, and productivity targets in a high-volume mortgage processing environment

Education

University of Madras
Bachelor's degree, Computer Science

Contact information

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•••••@tcs.com
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Current company

Tata Consultancy Services

IT Services and IT Consulting · 726K employees · Founded 1968 · Mumbai, India

Tata Consultancy Services (TCS) is the technology partner of choice for industry leading organizations worldwide. Since its inception in 1968, TCS has upheld the highest standards of innovation, engineering excellence, and customer service. It has set an aspiration to become the world's largest AI-led technology services company and is enabling its clients to transform themselves across the full AI stack, from infrastructure to intelligence. Rooted in the heritage of the Tata Group, TCS is focused on creating long term value for its clients, its investors, its employees, and the community at large. With a highly skilled workforce spread across 55 countries and 202 service delivery centers across the world, the company has been recognized as a top employer in six continents. With the ability to rapidly apply and scale new technologies, the company has built long term partnerships with its clients – helping them emerge as perpetually adaptive enterprises. Many of these relationships have endured into decades and navigated every technology cycle, from mainframes in the 1970s to artificial intelligence today. TCS sponsors 14 of the world’s most prestigious marathons and endurance events, including the TCS New York City Marathon, TCS London Marathon and TCS Sydney Marathon with a focus on promoting health, sustainability, and community empowerment. Caution against fraudulent job offers: TCS doesn’t charge any fee throughout the recruitment process. Refer here: https://www.tcs.com/careers/india/recruitment-fraud-alert

tcs.com

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Experience

Process Associate

Education

University of Madras

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