1. HIMANSHU PAREEK
Mobile:7219714991__________________________________________________________
________________
Current Address Permanent Address
B 302 Sumitra Vally Apartment H-90 Shastri Nagar
Wakad ,Pune Jodhpur
Maharastra Rajasthan
Email:pareek0072005@yahoo.co.in
Current Organization
Presently working as an Assistant Manager (Post close Unserwriting and Pre Funding) in
TATA Consultancy Services. (TCS) leverages over 10 years of mortgage processing and
underwriting.TCS is leader in the global marketplace and among the top 10 technology firms
in the world. Our continued rapid growth is a testament to the certainty our clients experience
every day. Building on more than 40 years of experience, we add real value to global
organizations through domain expertise plus solutions with proven success in the field and
world-class service.
Professional Summary:
My professional experience lies in the area of:
Ø Operational management.
Ø Transactions
Ø Team Handling
Ø Auditing
Ø Traning.
Ø Management of sales team and sales channel.
Ø Co-ordinating with sales and credit team.
Ø Analysing the financial strength of borrower
Ø Administrative management.
Ø Underwriting.
Ø SME for Underwriting.
Ø Modification Underwriting.
Ø Quality Check and Quality Analysis.
Ø Collection management.
Ø Bank reconciliation.
Ø Quality check .
Ø Live audits and Rate lock analysis.
WORK EXPERIENCE
Organisation: TCS (TATA Consultancy services limitied)
Duration: April2012 to Till date .
Working as an Assistant Manager.
Work profile includes:
Ø SME for Underwriting Processes.
Ø Holding B1/2 visa also been to US for transactions
ØProcess Trainer .
Ø Handling Traning Batches and reporting.
Ø In banking, underwriting is the detailed credit analysis preceding the granting of a loan,

2. based on credit information furnished by the borrower, such as employment history, salary
and financial statements; publicly available information, such as the borrower's credit history,
which is detailed in a credit report; and the lender's evaluation of the borrower's credit needs
and ability to pay. Examples include mortgage underwriting.
ØReview and analysis credit reports, loan applications, income documentation, employment
records, and court documents and verify as needed to determine borrower’s ability to meet
requirement of loan.Calculate income for all type of borrowers by reviewing paystubs, tax
returns, W2s, Social Security award letters, 1099, P&L accounts, Rental income, Child
Support, Alimony, Bank statements, etc.
Ø Responsible for the accurate and timely processing
Ø Follow insurer and investor guidelines to ensure compliance.
Ø Work within defined timelines to perform underwriting tasks according to schedule
Ø Present findings to management with proposed recommendations as applicable.
Ø Maintain compliance with all departmental productivity and quality standards.
Ø Handled QA and Escalations Project.
Ø Tranied on Govt Loans (VA,FHA)
Organisation: Altisource Mumbai
Duration: May 2011 to Jan, 2102 .
Working as an Underwriter & QC Underwriter.
Work profile includes:
ØIn banking, underwriting is the detailed credit analysis preceding the granting of a loan,
based on credit information furnished by the borrower, such as employment history, salary
and financial statements; publicly available information, such as the borrower's credit history,
which is detailed in a credit report; and the lender's evaluation of the borrower's credit needs
and ability to pay. Examples include mortgage underwriting.
ØReview and analysis of credit reports, loan applications, income documentation,
employment records, and court documents and verify as needed to determine borrower’s
ability to meet requirement of loan.Calculate income for all type of borrowers by reviewing
paystubs, tax returns, W2s, Social Security award letters, 1099, P&L accounts, Rental
income, Child Support, Alimony, Bank statements, etc.
Ø Responsible for the accurate and timely processing
Ø Follow insurer and investor guidelines to ensure compliance.
Ø Work within defined timelines to perform underwriting tasks according to schedule
Ø Present findings to management with proposed recommendations as applicable.
Ø Maintain compliance with all departmental productivity and quality standards.
Ø Work on Modifications Loan ( HAMP & NON HAMP).
Ø Handled Modification QA Project For Month.
Organisation: American home Mortgage (AHMSI),Pune, India.
Duration: Dec 2010 to April 2011 .
Working as an Underwriter (Senior Executive.)
Work profile includes:
Ø Risk assessment and underwriting the mortgage loan applications of the clients of AHMSI
Ø Work on Modifications Loan ( HAMP & NON HAMP).
Ø Review and analyzes credit reports, loan applications, income documentation, employment
records, and court documents and verify as needed to determine borrower’s ability to meet

3. requirement of loan.Calculate income for all type of borrowers by reviewing paystubs, tax
returns, W2s, Social Security award letters, 1099, P&L accounts, Rental income, Child
Support, Alimony, Bank statements, etc
Ø Saving the flood certs and sending the reports on daily basis.
Ø Maintaining new updates and SOP for under
Ø Quality check and auditing of the underwritten loan applications.
Organisation: GENPACT, Jaipur, India.
Duration: June 2007 to Nov 2010 .
Working as an Underwriter and Quality Check and Quality Analysis.
Work profile includes:
Ø Risk assessment and underwriting the mortgage loan applications of the clients of
E*TRADE& National Australia Bank.
Ø Quality check and auditing of the underwritten loan applications.
Ø Saving the flood certs and sending the reports on daily basis.
Ø Maintaining new updates and SOP for underwriting.
Ø Quality check and Quality assurance of loans in all stages.
Ø Live audits.
Ø Back office Work.
Ø Been On job tour to Australia twice to migrated the proess.
Ø Subject Matter Expert For Quality and Securities.
Ø Awarded with Bronze and Spot awards.
Ø Lien Trained.
Ø Handle HR Project for 3 months .
Organization: TATA MOTOR FINANCE (E-nxtPvt. Ltd)
Duration: September 2006 to June 2007.
Worked as a Operation Executive at the newly opened branch in Barmer and Jaisalmer.
Work profile includes:
Ø Scrutiny of the documents and information provided by the marketing team.
Ø Issuance of release order in adequate time.
Ø Insurance renewals.
Ø Collection of cash, cheques and demand drafts.
Ø Timely banking and pan reconciliation.
Ø Checking accuracy of branch expenses bills and release payment.
Ø Maintenance of petty cash and keeping proper records.
Ø Dealing with external agencies.
Ø Handling administration activity.
Ø Credit checking and analysis.
Organisation: ICICI Bank Ltd (Maheshwari&kedawat consultant)
Duration: June 2005 to September 2006
Worked as a Credit Processing Agent ,credit operations at the car loans department in
Jodhpur branch.
Work profile included:
Ø Handling Back Office operations of the credit& Refinance with 4 Crores of Disbursements
every month.
Ø Credit training to Direct selling agents, Credit processing agent’s team, ‘Fi’ agency on
quality of ‘Fi’

4. Ø Underwriting: - File login, credit checking, cam making and risk analyzing.
Ø Building relationship between the Sales team, & the operations team of the business.
Ø Monitoring processes from Sourcing till disbursement to smoothen and improve the Turn
around Time (TAT) customer satisfaction as the prime objective
Educational Profile
B.Com JNVU University 2005.
*Three Year full time.(IES)
Computer Proficiency
Ø Good knowledge of office packages like: MS words, MS excel, PowerPoint, Ms Office,
and Internet etc.
Personal Details
Date of Birth : 15th
February 1984.
Languages Known : English, Hindi and Rajasthani.
Interests
Ø Listening to music, Reading, Watching movies.