Open to opportunities

PRADEEP RAMAKRISHNA

@pradeepramakrishna

Message

Results-driven Conventional Mortgage Underwriter with 13+ years of experience.

United States

Message

What I'm looking for

I am looking for a role that challenges my underwriting skills and offers opportunities for professional growth in a collaborative environment.

I am a results-driven Conventional Mortgage Underwriter with over 13 years of experience in underwriting, loan processing, and risk assessment. My expertise lies in evaluating borrower creditworthiness, analyzing income and assets, and ensuring compliance with investor and regulatory guidelines. As a Certified Master Mortgage Underwriter (NAMU-CMMU), I possess in-depth knowledge of Fannie Mae and Freddie Mac standards, as well as DU/LP automated systems.

Throughout my career, I have successfully directed training programs, conducted credit assessments, and managed teams to achieve departmental objectives. My strong analytical skills and attention to detail have enabled me to perform comprehensive risk assessments and ensure sound lending decisions. I am passionate about optimizing processes and workflows, and I thrive in environments that challenge my decision-making abilities and foster professional growth.

Experience

Work history, roles, and key accomplishments

Deputy Manager Training

SLK Global Solutions Pvt Ltd

Oct 2020 - Present (4 years 10 months)

Directed and achieved departmental and organizational objectives. Designed and developed comprehensive training programs tailored to business needs. Conducted training needs analysis to create workflows, process maps, and SOPs.

Workflow Optimization Process Mapping SOP Development Recruitment

Credit Verification Officer

ANZ Support Services India Pvt Ltd

Jul 2017 - Present (8 years 1 month)

Performed detailed assessments of credit applications and loan requests, ensuring adherence to bank lending policies and regulatory guidelines. Evaluated creditworthiness through income calculation, debt-to-income (DTI) ratio assessment, loan-to-value (LTV) analysis, and comprehensive risk assessment. Reviewed and validated loan documents, including property valuations, tax returns, pay slips, ban

Risk Analysis Income Verification Validation Cash Flow Analysis Regulatory Compliance

Senior Process Training Lead

SLK Global Solutions Pvt Ltd

Nov 2012 - Present (12 years 9 months)

Designed and delivered customized training programs based on in-depth training needs analysis. Managed trainee performance, ensuring the achievement of key business metrics. Resolved client escalations and provided actionable feedback to agents.

Needs Analysis Performance Management Customer Escalation Coaching

Analyst

ISG Novasoft Technologies Pvt Ltd

Oct 2011 - Present (13 years 10 months)

Processed and reviewed loan applications and supporting documentation. Conducted creditworthiness evaluations and risk assessments. Verified financial documents, including tax returns, W-2 forms, pay stubs, and credit reports.

Loan Application Evaluation Risk Assessment Loan Documentation Data Entry

Senior Associate

CoreLogic Global Services Pvt Ltd

Oct 2007 - Present (17 years 10 months)

Analyzed mortgage files, evaluated borrower financials, and reviewed tax returns to support decision-making. Verified legal property documents and monitored loan processing timelines. Assessed borrower creditworthiness through credit report analysis.

Financial Analysis Loan Processing system updates Documentation Management

Senior Associate

Cross Domain Solutions Pvt Ltd (Gallagher)

Nov 2005 - Present (19 years 9 months)

Conducted comprehensive reviews of insurance policies against Proposals to identify discrepancies, errors, and necessary updates. Performed detailed policy checking to confirm that coverage terms, endorsements, and exclusions met client expectations and adhered to regulatory standards. Procured and stratified loss runs, summarized renewal exposures and updated agency management systems (EPIC).

Policy Checking Regulatory Compliance Loss Run Procurement Renewal Exposure Summarization Data Entry

Education

Degrees, certifications, and relevant coursework

Western Governors University

Master of Business Administration, Information Technology Management

Focused on the strategic management of information technology within business contexts. Gained expertise in leveraging IT for organizational growth and efficiency.

Karnataka State Open University

Bachelor of Science, Information Technology

Acquired foundational knowledge in information technology principles and applications. Developed skills in various IT domains relevant to modern computing.

KIET Polytechnic

Diploma, Computer Science

Completed a diploma program in Computer Science, focusing on fundamental concepts and practical skills in the field. Gained initial exposure to computer systems and programming.