Zakir Mohammad

Led QM mortgage underwriting quality activities by performing live underwriting per agency guidelines and reviewing borrower income documentation. Evaluated fraud reports/red flags and assessed property documentation against investor requirements to reduce compliance and repurchase risk.

Performed QC on FHA live underwriting files and reviewed FHA Streamline calculator and manual underwriting decisions. Verified borrower income documentation and assessed credit/collateral using FHA and investor-specific guidelines.

Managed secured lending workflow for conventional and Non-QM loans, coordinating with reviewers and mentoring/coaching team members. Monitored SLA delivery, drove quality audits, and created plans/KPIs for productivity and accuracy.

Performed US Non-QM mortgage underwriting by completing live underwriting reviews and validating required inputs for HTI/DTI/LTV calculations. Assessed fraud/compliance red flags and ensured investor guideline adherence using consistent file documentation.

Delivered Non-QM mortgage underwriting as a freelancer by performing live underwriting for QM/Non-QM programs and reviewing income and bank statement documentation. Conducted post-close QC reviews when required and interpreted investor guidelines/credit policy to mitigate repurchase risk.

Performed secured lending mortgage underwriting for Non-QM loan programs, including 12/24-month financing using bank statements and DSCR analysis. Reviewed appraisal/title/insurance/tax documents, verified income, and assessed fraud red flags and salability/repurchase risk.

Managed secured lending mortgage underwriting operations by researching, compiling, and evaluating data to support underwriting decisioning. Owned day-to-day workflow/pipeline prioritization, ensured process compliance, and provided ongoing feedback to team members and stakeholders.

Performed secured lending mortgage underwriting by interpreting credit policies and investor guidelines and applying them to individual loans. Reviewed verification and third-party vendor documents, validated system data entry, and ensured compliance with client policies and procedures.

Handled NA collections workflow for CITI mortgage/credit card accounts by verifying bankruptcy status and updating delinquency codes accordingly. Sent payment-change and delinquency notifications using legal/state requirements and coordinated discharge audit status with offshore agents.

Supported US retail banking and mortgage loan servicing operations by archiving broker payment requests and verifying broker/property details for assigned assets. Created work orders, processed vendor payments in Real Servicing software, and handled payment rejections.

Managed accounts and import documentation by entering daily transactions in Tally and maintaining ledgers including cash and bank books. Prepared trial balances and financial statements and handled sales invoices, salary slips, and import/payment documentation.

Part-time MBA in Finance from Thakur Institute of Management.

B.Com from M.V.L. College of Arts, Science & Commerce, affiliated with Mumbai University.