Ravi Kumar

Senior Mortgage Underwriter and IQA seeking roles in US Mortgage projects such Mortgage Loan Origination, Pre-purchase underwriting and Due Diligence review, Mortgage loan Servicing, Evaluating loan applications for Conventional, FHA and VA mortgage.  Profoundly knowledgeable in the 4Cs- Credit, Collateral, Capicity, Capital. I excel in evaluating applications and gauging creditworthiness. My skill set extends to precise income calculations across various borrower categories including salaried, self-employed, and retired individuals. I am adept at intricate calculations encompassing DTI, LTV, DTE, preclosing, post-closing, and pre-purchase underwriting

With a tenure of over 7.7 years, I have honed my expertise in US Mortgage Underwriting, Mortgage Loan Servicing, and Loan Origination. My proficiency spans both automated and manual underwriting, facilitating well-informed loan decisions and ensuring compliance guidelines alignment. Profoundly knowledgeable in the 4Cs- Credit, Collateral, Capicity, Capital. I excel in evaluating applications and gauging creditworthiness. My skill set extends to precise income calculations across various borrower categories including salaried, self-employed, and retired individuals. I am adept at intricate calculations encompassing DTI, LTV, DTE, preclosing, post-closing, and pre-purchase underwriting. My competence also extends to Mortgage Loan Origination and rigorous Due Diligence reviews across diverse mortgage files such as conventional, FHA, and VA, meticulously adhering to Fannie Mae and Freddie Mac selling guidelines.

Graduated with a degree in economics