Assistant Account/Analyst
Sutherland Global Services
Total years of experience :6 years, 0 Months
Manage team members
• Review, examine and underwritten loans to ensure soundness, business value and compliance with company and investor standards.
• Reviews Income documents and do manual calculation to income to come out with the calculation of income by the underwriter are matching or not.
• Review detailed historical and projected financial analysis utilizing tax returns and financial statements.
• Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications.
• Review and analyze special conditions, loan deficiencies and exception requests to determine appropriate courses of action.
• Assessed loan attributes and documentation for soundness and accuracy.
• Determined appropriate recommendations subject to management and underwriting guidelines.
• Reviewed, evaluated and synthesized data to ascertain loan viability and identify risk issues and potential fraud.
• Independently performed financial analysis on borrowers.
• Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
• Prepared and maintained files on all vendors and approved appraisers and brokers.
• Compile and analyze financial information to prepare entries to accounts, such as general ledger accounts, and document business transactions.
• Verifying Books of Accounts.
• Reconciliation of Bank Accounts.
• Reconciliation of debtors and creditors balances.
• Liaison with banking and other financial institutions.
Accounts role:
• Compile and analyze financial information to prepare entries to accounts,
such as general ledger accounts, and document business transactions.
• Verifying Books of Accounts.
• Invoicing and Preparation of Purchase Orders.
• Preparation of Financial Statements to evaluate financial position of the firm and ensures firm’s growth.
• Reconciliation of Bank Accounts.
• Reconciliation of debtors and creditors balances.
• Liaison with banking and other financial institutions.
• Ensured compliance with accounting deadlines.
• Ensure that all finances are properly administered and monitored, including petty cash.
Administrative role:
• Ensure compliance of all local laws with regard to record maintenance, audit requirements, staff attendance.
• Educate team members to collect required documents in full properly and in time for submission.
• Critically analyse, evaluate loan applicant’s financial credibility by checking required documents like paystubs, bank statements and deposits, W4, 401k.
• Review HUD, TIL, GFE, 1003, 1008 submittals with recommendations alongside other disclosures to process mortgage application.
• Underwrite applicant’s files for evaluation and pre-approvals of mortgage prior to submission to banks.
• Complete formalities with details till the bank issues the “Clear To Close” approval.
• Facilitate continual information, document flow between client, attorney, title Company and bank for smooth closing of mortgage.
• Liaise and follow-up with invoices and claims for payments due and from banks.
• Store methodically both hard and soft copies of customer details and records in an easy-to-retrieve manner maintaining secrecy and confidentiality.
• Open and maintain paperless 2-way communication through email, telephone and fax for all transactions- backed up by hard copy.
MBA in Finance and HR
ANIT - Information System Managemet and Data Warehousing
B.Com graduation