Ramu Yadav
Detail-oriented Credit Underwriter with over 2 years of experience in mortgage and business lending across banking and NBFC environments. Certified in US Residential Mortgage Underwriting, with specialized expertise in evaluating the 4 C's (Credit, Capacity, Capital and Collateral) for the US market. Proven track record in conducting financial statement analysis, DSCR calculations, and credit bureau reviews (CIBIL, Experian, TransUnion). Adept at managing the end-to-end underwriting process, including automated and manual underwriting, identifying red flags, and ensuring compliance with GSE and agency guidelines (FHA/VA).
Certified in: Certificate in US Residential Mortgage Underwriting ,
Education
Experience
Total Experience: 2 (years)