Vishnu Sivakumar
2B/9 Bleakley Place, Hillcrest, Hamilton,NZ
Summary
Dedicated and driven, I am a seasoned professional deeply passionate about Finance and Residential Mortgage Underwriting. With a robust background in Mortgage-Backed Securities and residential mortgage underwriting within the US Mortgage industry, I consistently deliver exceptional results, surpassing client expectations. Currently, I am advancing my expertise through a Master of Applied Finance program at the University of Waikato. This academic pursuit is equipping me with the necessary skills and knowledge to pioneer innovative solutions to complex financial challenges, ensuring I remain at the forefront of the industry.
Overview
9
9
years of professional experience
Work History
Associate
Goldman Sachs Services Pvt. Ltd
Bengaluru, India
08.2022 - 02.2024
- Analyzes the credit risk associated with RMBS investments, evaluating the creditworthiness of borrowers and the performance of underlying collateral
- Conducts due diligence on RMBS securities, evaluating the quality of the underlying collateral and the structure of the security
- Work closely with clients to understand their investment needs and provide them with customized solutions and insights
- The team stays up-to-date with market trends and conditions to inform their investment decisions and recommendations
- Analyze property reports, vendor reports, custodian reports and images to identify assignment chain breaks or deficiencies
- Determine and carry out curative measures required on identified deficiencies through issue resolution and work with custodian if needed
- Work with the repurchase team on preparing the funding schedule for repurchase wire and provide breakout of the corporate and escrow advances and recoveries
- Collaborated with stakeholders, including business analysts and subject matter experts, to gather requirements and ensure automation solutions aligned with business needs.
Pre-Fund Examiner II
Wells Fargo International Solutions Private Ltd
, Bengaluru, India
11.2020 - 08.2022
- Facilitate internal audits on each loan and cascade the errors and quality issues with the stateside HLUs
- Review Credit, Income, Assets and Collateral documents to determine the verification activities to be performed
- Calibrate with Stateside team on a daily basis to ensure organizational consistency
- Assist in the development of National Underwriting and risk management team including teaching the new joiners the quality inspections service audit role
- Coordinate activities of the department with the manager to include work flow monitoring, process improvement, training, reporting and special projects
- Coach, motivate and develop associates to deliver high quality reports to the stateside team to achieve or exceed set operational targets by proving answering to team members’ queries.
Business Process Lead
Tata Consultancy Services Pvt Ltd
, Chennai, India
01.2019 - 10.2020
- Underwriting on Conventional, Government loans including USDA loans of all type of transactions and analyzing the risk existing in the loan
- Supervise a group of associates to meet all SLA’s relative to any and all functions
- QC ing loans on daily basis of associates and provide them quality scores
- Client feedback and updates tracker has been maintaining and cascading to team members
- Maintaining MIS report on a daily, weekly and monthly basis
- Verifying DPA documents are in the loan for state specific and Guideline has been met.
Underwriting Analyst
Altisource Business Solutions Pvt.Ltd
, Bengaluru, India
01.2017 - 01.2019
- Reviewing loan applications: Evaluates loan applications to determine eligibility and risk level based on the borrower's income, credit history, collateral, and other factors
- Conducting research: Research relevant information, such as property values, tax assessments, financial statements, and market trends, to make informed decisions
- Analyzing loan documentation: Reviews documentation, such as credit reports, bank statements, and employment verification, to assess the borrower's ability to repay the loan
- Calculating loan-to-value and debt-to-income ratios: Determine the loan-to-value and debt-to-income ratios to assess the borrower's ability to repay and the level of risk associated with the loan
- Collaborating with team members: Works collaboratively with other team members, such as Loan Processors, to ensure that loan applications are processed efficiently and timely
- Providing recommendations: Based on the analysis, We make recommendations regarding loan approvals or rejections and suggest suitable terms and conditions for approved loans
- Ensuring compliance: Ensures that all loan applications comply with company policies and state and federal regulations
- Maintaining records: Maintain accurate records of all loan underwriting documentation and ensure that all files are complete and up-to-date.
Analyst – Closing and Compliance
Altisource Business Solutions Pvt.Ltd
, Bengaluru, India
08.2015 - 12.2016
- Understand and ensure compliance with all federal, state and local laws, ordinances, regulations, TRID and RESPA guidelines and client requirements
- Proficient knowledge in reviewing the closing disclosure, state disclosure and federal disclosure documents such as Deed of Trust, Note, Closing Disclosure and Loan Estimate and other disclosures
- Review of Loan Estimates and Closing Disclosures for accuracy and compliance with tolerance levels
- Diagnose defects, tracking them from discovery to resolution, and document reproduction steps thoroughly
- Identify risks to which the company is exposed, works with the business unit to implement measures to prevent, eliminate or mitigate financial losses.
Education
Master of Applied Finance - Finance and Banking
The University of Waikato
Hamilton, NZ02-2025
Bachelor's in Commerce - Office Management and Secretarial Practice
Baselius College
Kerala, India04-2015
Skills
- Hands-on experience in US Mortgage Origination Underwriting (Conventional and Government Loans)
- Intermediate knowledge in MYOB, Xero and Tally (Accounting Software)
- Worked on Mortgage tools CORE (In-house), Encompass, Mottrack and Datatrack etc
- Intermediate knowledge in SQL and Alteryx
- Proficient in MS Excel, Word and Power Point
- Skilled in developing & maintaining relationships with key decision makers
- Experience transforming Business requirements to system specifications
Competencies Personal Skills
- Good Analytical
- Communication and Interpersonal skills
- Ability to gather, collate and use data effectively
- Quick at grasping and applying new concepts
- Flexibility to adapt to any requirements of the organization
Accomplishments
- project
- best employee award
References
References available upon request.
Timeline
Associate
Goldman Sachs Services Pvt. Ltd
08.2022 - 02.2024
Pre-Fund Examiner II
Wells Fargo International Solutions Private Ltd
11.2020 - 08.2022
Business Process Lead
Tata Consultancy Services Pvt Ltd
01.2019 - 10.2020
Underwriting Analyst
Altisource Business Solutions Pvt.Ltd
01.2017 - 01.2019
Analyst – Closing and Compliance
Altisource Business Solutions Pvt.Ltd
08.2015 - 12.2016
Master of Applied Finance - Finance and Banking
The University of Waikato
Bachelor's in Commerce - Office Management and Secretarial Practice
Baselius College
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