Bharathiraj Kumar

Experience

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  Tata Consultancy Services

  Jan 2015 - Jan 2021

  KYC & AML Citi Bank • Verifying and validating the quality analysis for the individual and entities. • Have experience in handling the high net worth customers and perform source of wealth collaboration.• Having hands on experience to perform KYC with includes CDD/EDD for individual, corporation clients as per global AML/KYC policy and guidelines.• Ensuring the complaints with all AML loss, sanction loss, regulation guidelines for financial institutes validating CIP & Screening.• Screening all the member of the account to find the negative News & adverse media hits, sanction, Factiva & AML Screening.• Basic knowledge of customer On-boarding documents for entity as per Banks standard policies & procedures. Show less Collaborated with other professionals to develop innovative underwriting solutions.Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.Evaluated loan requests and documents to verify accuracy and completeness.Accuracy in underwriting and paying attention to detail in the mortgage file.Monitored pipelines to track and log status of loans.Collaborated with loan officers and processors to obtain additional information and resolve discrepancies. Show less

  • Senior Analyst

    Jan 2017 - Jan 2021

  • Senior Associate

    Jan 2015 - Jan 2017
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  Firstsource Dialog Solutions Private Limited

  Jan 2021 - Jul 2021

  Mortgage Underwriter

  Ensuring all pertinent documents were properly executed and that all documents are within guidelines.Evaluated loan applications for affordability and conformance with underwriting guidelines.Appraisal Review and ensuring that appraisals meet all guidelines and investor guidelines.Evaluating Veterans affairs Interest Rate Reduction Refinancing Loan (VAIRRRL) transactions in accordance with VA and Freedom Mortgage.Analyzing that have made six consecutive monthly payments on the VA loan borrower are refinancing.Reviewed comparable property details in collateral were equal location, size and conditions. Show less

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  SitusAMC

  Jul 2021 - Oct 2024

  Senior Underwriter

  Approved or denied loans based on established criteria and underwriting guidelines.Underwrites Conventional, FHA and VA Mortgages.Calculating Income based on investor guidelines.Assessed and advised on loan applications utilizing in-depth underwriting process understanding.Built strong relationships with lenders, brokers and clients for constructive communications.Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.