I.Sobi

Objective : Looking for an opportunity to expand my financial interpretation abilities in a professionally managed organization by leveraging on my skill and competencies.

Ambition : To contribute positively to the achievements of a company by employing
my knowledge, skills, hard work on new and current technologies, face
challenging jobs and to update my Technical, Personnel and Managerial
Skills.
Education :
HSC : 61%
B Com : 62%
M.com : 62%

Basic knowledge in computers.

Areas of interest : Banking, Taxation, Insurance, Finance, Auditing and Underwriting mortgaging loans

Work Profile : 1. Worked in Excellent Consultants auditing firm as a part time Accountant from August 2004 till Sept 2006 (Hotel account, Shipping company account, Trading and manufacturing accounts, Import and export accounts, Trust account, Bank auditing, Institute account and Travels account).
2. Currently employed at Ocwen Financial Solutions Private Ltd., in Ban galore as an Underwriter. Working for a third party client called MGIC, one of the leading companies in the Mortgage Insurance & Banking Industry in USA. We deal with Underwriting and Validation of Mortgage Loans in the Primary Market in the USA.
Responsibilities :
? Working for MGIC this is 1st Insurance Co. in US to introduce the concept of PMI in Home Mortgage Industry.
? Underwriting various Loan file submitted to different Investors.
? Going through the different guidelines and requirements for these Investors.
? Matching Fanniemac and Freddicmac guidelines with that of investor’s requirements.
? Assessing borrowers bases
I. Calculating income by (biweekly, semiweekly, semimonthly, monthly).
II. Calculating social security income, alimony/child support income, retirement income.
III. Calculating commission income and overtime income.
IV. Calculate tax returns for self employed borrowers.
? Assessing Financial statements
I. Verifying large deposits for borrower and it should not exceed stated income.
II. Verifying the bank statements.
? Assessing credit Report
I. Checking of mortgage loans, revolving (credit card payments), and installments accounts (student loans), open accounts (utilities).
II. Verifying past due for any of these accounts (30,60and 90days).
III. Verifying bankruptcy, public records.
IV. Verifying fraud victim.
V. Verifying any nick names for the borrower.
VI. Verifying SSN, Fico score and date of birth of the borrower.
VII. Verifying SSN issue date of the borrower.
VIII. Verifying fraud search for the borrower.

? Assessing property value through Appraisal Report Forms..
? Matching borrower’s capability to pay through Lender Guidelines.
? Calculation of Financial Ratios.
? Issuing the mortgage insurance certificates.
? Making loan decision based on Lender Guidelines i.e. to Suspend,
To Cancel or to Approve the Loan.
Achievements : I got the “Best top performer award” in my process. In my first ever appraisal report, I was awarded “A” for maintaining high levels of quality (99.80%) and efficiency (125%) productivity (110%).
Personal Details :

Date of Birth : 7th Nov 1983.

Father’s Name : Mr. R. Iyver

Nationality : Indian

Marital Status : Married

Languages Known : To speak > English, Tamil
To Read & Write > English & Tamil

My Strengths : Continuous learning habits, good grasping
Power, Acquainting to new systems easily,
and Desire to do challenging jobs.

Achievements : Represented the college volleyball and
Cricket team.Kho-Koo District player
Declaration : I hereby declare that all information furnished above are true to the best of my knowledge and I will try my best to live up to my employer’s expectations.

Yours truly

I. Sobi