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PHONE NUMBER AVAILABLE EMAIL AVAILABLE Seffner, FloridaSummaryFinance professional with over 10 years of experience in the U.S. mortgage banking industry, including signicant expertise in compliance. Skilled in analyzing U.S. residential home loan mortgages, with a proven track record of leveraging analytical skills for data gathering, Risk Analysis, and compliance checks. Experienced in assessing risk and ensure regulatory compliance. Known for excelling in high-pressure, time-sensitive environments while maintaining strict adherence to industry regulations and standards. SkillsRegulatory Compliance Risk Analysis Root Cause Analysis Problem-Solving ExperienceBetter.com (BMTG Advisors India Private Ltd) Gurgaon, India Senior Analyst 06/2021-05/2024Veried and audited complex nancial products, specically U.S. residential mortgages, to ensure compliance with Federal, State, and Investor guidelines. This included thorough review of loan documents, funding conditions, and closing disclosures. Conducted rigorous compliance checks to ensure that funded loans adhered to all relevant regulations. This involved cross-checking loan terms, interest rates, borrower information, and property details against industry standards and regulatory requirements. Collaborated with external auditors to validate the authenticity of nancial data related to loan mortgages. Analyzed audit results, identied discrepancies or defects, and escalated issues to the appropriate teams within the loan mortgage life cycle for resolution. Proactively identied potential risks or compliance issues within the loan processing pipeline. Escalated signicant issues to senior management or relevant departments to ensure timely corrective action and maintain compliance throughout the loan process. XL Dynamics India Pvt. Ltd. Mumbai, IndiaFinancial Analyst 12/2014 - 06/2021Evaluated the creditworthiness of borrowers, taking into account factors such as income, age, employment history, business type, loan tenure, tax history, asset ownership, additional income sources, credit reports, investments, and the value/type of property being nanced. Conducted checks and surveys according to established process checklists to ensure compliance with internal and regulatory requirements. Analyzed mortgage loan les in-depth, providing structured ndings to brokers, correspondents, and clients, ensuring accurate and comprehensive data assessment.Helped reduce turnaround times for rectifying loan documents, ensuring loans were processed, closed, and funded promptly. Prepared initial, nal, and post-closing disclosures in accordance with federal, state, and company policies and procedures, across various loan programs.Assembled complete closing disclosure packages for investors in a high-volume work environment, reconciling and reporting discrepancies as needed.Reviewed preliminary reports to validate information on liens, encroachments, easements, and other exceptions, raising conditions with title companies to ensure proper title insurance.Validated closing documents and notes, reviewed pre-funding conditions, and communicated with funders to ensure timely and efcient wire transfers and funding for all loans.EducationSri Siddhartha Institute of Technology Karnataka, India Bachelor of Engineering in Electrical and Electronics GPA 8.3 10 2009 - 2013 Research Project: GSM and PIC Micro-controller Based Hydraulic Sluice Gate Control for Canals and Dams Symbiosis, Pune Pune, IndiaPost Graduate Diploma in Banking and Finance 2019 |
