Description
CURRICULUM VITAE
Mohammed Manzoor
No: 132, 2nd cross, Rayapuram,
J.J.R. Nagar, Bangalore – 560018
Email: mohammedmd2007@gmail.com
Mobile: +91 9036915102
Intend to build a career with leading corporate of hi-tech environment with committed and dedicated people who will help me to explore myself fully and realize my potential. To become a highly skilled professional in an organization of international repute and develop an ability to adapt to today’s ever changing intellectual and technology driven environment.
Skills :
· Lending & Underwriting Guidelines
· Credit & Income Analysis
· Loan-to-Value Ratios, Debt-to-Income Ratios
· Conventional & Government Mortgages, Conforming & Nonconforming Loans
WORK EXPERIENCE- Summary
Current Organization : Flyhomes Mortgage LLC
Period : February 2022 – July 2022
Designation : Senior Associate – Underwriter
Process Description : US Residential Mortgage
· Analyze all loan documents which include income, and assets. Credit, collateral, purchase contract, Title and other required documents
· Perform underwriting decisions based on Income calculation (Wage Earner, Self Employed, Sole Proprietor, Partnerships, S Corps, Corporation, non-taxable income), assets evaluation, analyzing Credit, Collateral.
· Evaluate Debt To Income (DTI) Loan To Value ratios ( LTV ), Combined Loan To Value (CLTV ), High Combined Loan To Value ( HCLTV ), Credit analysis and various other factors
· Reviewing Hazard Insurance, Fraud Report and other property-related documents.
· Reviewing Resubmission loans to determine and document loan conditions, communicate requirements, and/or decision the loan.
· Documenting and effectively communicating reasons for the approval/rejection of the loans.
· To check the accuracy of all calculations and data integrity. Completion of all required Underwriting checklists.
Previous Organization : Verity Global Solutions
Period : December 2020 – January 2022
Designation : Senior Underwriter
Process Description : US Residential Mortgage
· Reviewing and verifying loan applications and supporting documentation for Credit, Income and Assets in US residential mortgage.
· Perform income calculation, review and analyze Credit Reports, debt to income ratio, review / analyze asset statements, and financial statements to render a decision.
· Evaluate Debt To Income (DTI) Loan To Value ratios ( LTV ), Combined Loan To Value (CLTV ), High Combined Loan To Value ( HCLTV ), Credit analysis, and various other factors
· Reviewing Hazard Insurance, Fraud Report, Title Report and other property-related documents.
· To determine and document loan conditions, communicate requirements, and/or decision the loan.
· Documenting and effectively communicating reasons for the approval/rejection of the loans.
· To check the accuracy of all calculations and data integrity. Completion of all required Underwriting checklists.
· Maintain client SLA expectations.
Previous Organization : Capgemini
Period : January 2013 – July 2020
Designation : Process Lead
Process Description : US Residential Mortgage
· Determines credit worthiness and risk associated with borrower based on credit profile.
· Determines overall loan documentation to ensure accuracy, completeness and fraud prevention
· Ensuring all the documents are signed and dated correctly
· Based on 4C’s accurately review and analyze loan application, credit reports, income calculation, employment records, and court documents such as bankruptcy and divorce decrees and verifies information as needed to determine the borrower’s ability to meet loan requirements.
· Reviewing & disclosing the Appraisal Report to the borrower and notifying the client
· Review conventional, FHA, and VA loan submissions for completeness and compliance
· Performs Credit & Income Analysis and Loan to Value Ratios, Debt to Income Ratios as well as Compliance and Quality Control Reviews and evaluates credit applications to assess the loan package for approval of the fraudulent activity, and provides feedback to the Processors and Originators to improve the quality of the loan files.
· Indexing funding compliance documents as per the client requirement.
VOA Process (Verification of Assets):
· Objective of the process: Review and verify the asset documents like bank statements/Retirement funds (401K)/Investment accounts etc.,
· Check whether the bank is listed in bank contact list which is provided by Parkside lending.
· Prepare cover letter and audit form by entering necessary information, merge all these documents and fax it to appropriate bank and submitting status report to clients.
Previous Work Experience:
Organization : Cognizant Global Services Period : August 2011 – December 2012 Designation : Process Associate
Process : REO (Appraisal Review)
· Reviewing and summarizing Appraisal and BPO reports.
· Writing a market plan for REOs by using Appraisal report and BPO report.
· Comparing the subject property with comparables.
· Writing estimated repairs done for the subject property, neighborhood comments, marketing conditions of the subject property etc.
· Reviewing REO PT tool which contains listing price of the subject property.
· After completing the REO market plan need to send a confirmation mail to asset manager.
Education:
· B.Com – Chamrajpet First Grade College, Bangalore University – Bengaluru (Regular)
· 2nd PUC – Chamrajpet Pre University College, Bangalore University – Bengaluru
· SSLC – Kin Kids High School, Bengaluru
Personal Profile:
· Name : Mohammed Manzoor
· Father’s Name : Mohammed Saleemuddin
· Gender : Male
· DOB : 27th Dec, 1983
· Present Address : #132, 2ND Cross, Rayapuram,
J.J.R.Nagar, Bangalore – 560018.
· Contact Number :9036915102
· Languages Known : English, Kannada, Urdu and Hindi
I hereby declare that the information furnished above is true to the best of my knowledge. I am also confident of my ability to work sincerely.
Mohammed Manzoor
