BALAJI G

Junior Underwriter
bshetty756@gmail.com 8088554712
No.460 1st cross 1st main R.k hegedenagar S.R.K post Bangalore-560077 29th November 1990
Indian Single Male

EDUCATION PROFESSIONAL EXPERIENCE

B.com in financial Accounting,

Concentrix Daksh services pvt ltd,
Sheshadripuram First Grade college
Operational Executive
Bangalore, India
March 2016 – Aug 2021 | Bangalore, India
I found opportunities that B.Com in Financial
-oversee the loan processing stage, which
Accounting offers. It can lead to a wide range of
involves verifying borrower information, reviewing
career paths, such as becoming a financial
loan documents, ordering appraisals, title
analyst, auditor, tax consultant, or even pursuing
searches, and other necessary documentation.
further studies like Chartered Accountancy (CA)
They ensure that all required paperwork is
or Certified Public Accountant (CPA)
completed accurately
qualifications.
-ensuring compliance with relevant regulations
and guidelines, such as those set by the
Consumer Financial Protection Bureau (CFPB).
They must stay up-to-date with changing
regulations and implement necessary changes to
processes and procedures to maintain
compliance.
-perform quality control checks on loan files to
ensure accuracy, completeness, and adherence to
company policies and industry standards. They
review loan documentation, financial information,
credit reports, and other relevant data to confirm
that loans meet established criteria.
 SKILLS
Aug 2021 – Aug 2022 | Bangalore, India
Collaboration and Communication
Excellent interpersonal skills, with a track record
of collaborating with cross-functional teams,
including underwriters, loan officers, and legal
counsel, to address compliance-related issues
and facilitate efficient workflows.
Regulatory Compliance
Expertise in understanding and ensuring
adherence to applicable federal and state
regulations, including those set by the CFPB, FHA,
VA, and GSEs (Fannie Mae and Freddie Mac).
Training and education
Proficiency in educating employees on compliance
protocols and best practices, ensuring a culture of
compliance throughout the organization.
Problem-Solving and Decision-
Making
Proactive approach to identifying and resolving
compliance-related issues, making informed
decisions to ensure compliance without
compromising business objectives.
Risk management
Strong background in identifying, assessing, and
mitigating compliance risks to protect the
organization and its customers.
SItus AMC India Pvt Ltd
"In my previous roles as an Juniour Underwriter
the US mortgage industry, I demonstrated a
strong focus on compliance. I ensured adherence
to relevant regulations and guidelines set by
regulatory authorities such as the Consumer
Financial Protection Bureau (CFPB) and worked
on various segments ( 0, 1, 2, 4 ) as a
surubber
My responsibilities included:
- Firstly Reviewing the loan Information and
customer details through the docs like Note doc ,
1003,1004,1008 etc.
- Authorizing and underwriting loans
- Reviewing and verifying loan application and
supporting documentation
- Analyzing loan risk and requesting additional
information as necessary
- Preparing reports on assessment findings
- Ensuring compliance with company policies
and guidance.
- Reviewing and updating policies, procedures,
and processes to align with regulatory
requirements
- Purchase Contract/Addendum: Validating the
Borrower property address, Signatures, Seller
name, sales price, Seller credit and EMD and also
RESPA broker information.

Documentation and Recordkeeping

Strong attention to detail, resulting in accurate
recordkeeping and documentation to demonstrate
compliance efforts during audits and
examinations.

Analytical and Reporting Skills:

Ability to generate reports, analyze data, and
track compliance metrics to measure performance
and effectiveness.