Jasmine Perween

Operations Associate

Hyderabad, India6 yrs 6 mos experience

Most Likely To Switch

Key Highlights

Expertise in risk evaluation and loan decision-making.
Strong client communication skills enhancing satisfaction.
Proven track record in mortgage compliance and accuracy.

Stackforce AI infers this person is a Fintech professional with strong expertise in mortgage underwriting and compliance.

Contact

Skills

Core Skills

UnderwritingRisk AssessmentMortgage ProcessingClient Relationship ManagementCollateral AnalysisRisk MitigationMortgage ReviewCompliance Management

Other Skills

Financial document analysisRisk assessment and regulatory complianceFamiliarity with underwriting guidelinesAutomated underwriting systems (AUS)UK mortgage lending policiesClient communicationFinancial assessment toolsMortgage application reviewReal estate marketsAppraisal methodologyValuation techniquesLoan documentationCompliance checksMortgage complianceDocument review

Experience

6 yrs 6 mos

Total Experience

1 yr 7 mos

Average Tenure

1 yr 10 mos

Current Experience

Situsamc

3 roles

Underwriter

Promoted

Apr 2026 – Present · 1 mo · On-site

I am working on 4c's.

Junior Underwriter

Jul 2024 – Apr 2026 · 1 yr 9 mos · On-site

As a Junior Underwriter, I am supporting the underwriting process by analyzing financial documentation, assessing creditworthiness, and ensuring compliance with internal and external lending policies. This role helped me build a solid foundation in risk evaluation and loan decision-making, contributing to accurate and efficient loan approvals.
Key Responsibilities:
Reviewed loan applications and supporting documents (e.g., income statements, credit reports, bank statements) to assess borrower eligibility and risk.
Assisted senior underwriters in evaluating the overall credit profile and determining loan terms and conditions.
Verified calculations related to debt-to-income (DTI), loan-to-value (LTV), and affordability assessments.
Ensured adherence to company policies, investor guidelines (e.g., Fannie Mae, Freddie Mac), and regulatory standards.
Collaborated with loan processors, appraisers, and mortgage advisors to gather missing documentation and clarify discrepancies.
Prepared detailed notes and recommendations for final underwriting decisions.
Skills Applied:
Financial document analysis
Risk assessment and regulatory compliance
Familiarity with underwriting guidelines and automated underwriting systems (AUS)

Financial document analysisRisk assessment and regulatory complianceFamiliarity with underwriting guidelinesAutomated underwriting systems (AUS)UnderwritingRisk Assessment

Collateral Analyst

Jun 2021 – Feb 2023 · 1 yr 8 mos · India · Remote

As a Collateral Analyst, I specialize in ensuring the accurate evaluation, monitoring, and reporting of collateral assets to mitigate credit risk and support secure lending practices. My role bridges analytical insight with operational precision, contributing to the financial soundness of institutional portfolios.Key Responsibilities:
Conducted thorough reviews of appraisal reports (Forms 1004, 1025, and 1073) to ensure accuracy, consistency, and compliance with investor guidelines (e.g., Fannie Mae, Freddie Mac) and USPAP standards.
Verified property characteristics, market data, and comparable sales to assess the reliability of value conclusions.
Identified red flags such as overvaluation, market discrepancies, or insufficient comps, and escalated for further review when necessary.
Ensured that appraisals included all required data points, photos, maps, and commentary supporting the valuation.
Collaborated with underwriters, processors, and third-party appraisers to clarify appraisal discrepancies and request revisions when needed.
Maintained detailed documentation of findings and contributed to internal quality control audits.
Skills Applied:
In-depth understanding of real estate markets, appraisal methodology, and valuation techniques.
Strong knowledge of appraisal forms and regulatory guidelines.
Analytical review of location adjustments, market trends, and condition ratings.

Real estate marketsAppraisal methodologyValuation techniquesCollateral AnalysisRisk Mitigation

Hsbc

Mortgage

Feb 2023 – Jul 2024 · 1 yr 5 mos · India · Remote

In this client-facing role, I was responsible for reviewing UK mortgage applications with direct communication and coordination with clients. This position strengthened my expertise in UK lending standards and deepened my ability to deliver a seamless and transparent mortgage process for clients across diverse financial backgrounds.
Key Responsibilities:
Reviewed mortgage applications for accuracy, completeness, and compliance with UK regulatory standards, including FCA and PRA guidelines.
Liaised directly with clients to collect required documentation, explain lending criteria, and guide them through the mortgage process.
Assessed client affordability by verifying income, credit history, employment, and expenditure in line with lender requirements.
Clarified mortgage product options and ensured suitability assessments were documented properly.
Flagged risks or inconsistencies in applications and coordinated with underwriters to address them proactively.
Provided clients with regular updates to ensure clarity, transparency, and a positive customer experience throughout the loan lifecycle.
Key Skills:
Strong understanding of UK mortgage lending policies and regulatory frameworks.
Excellent client communication and relationship management.
Detailed knowledge of application systems and financial assessment tools.
Achievements:
Played a key role in improving client satisfaction scores through clear communication and timely follow-ups.
Successfully handled high-volume application periods while maintaining service accuracy and efficiency.
Built strong client trust by delivering consistent, compliant, and user-friendly mortgage experiences.

UK mortgage lending policiesClient communicationFinancial assessment toolsMortgage ProcessingClient Relationship Management

Kfin technologies ltd.

Senior Process Associate

Nov 2019 – Jun 2021 · 1 yr 7 mos · India · Remote

I began my career in the mortgage industry as a Mortgage Reviewer, where I gained foundational experience in loan documentation, compliance checks, and risk mitigation. This role sharpened my attention to detail, analytical thinking, and understanding of financial and regulatory standards.
Key Responsibilities:
Reviewed residential and commercial mortgage loan files to ensure completeness, accuracy, and compliance with company policies and regulatory requirements (e.g., FHA, VA, FNMA, FHLMC).
Verified borrower documentation including income, assets, credit, and employment details.
Identified inconsistencies or missing data and worked with processors and underwriters to resolve issues.
Ensured timely and thorough documentation of audit findings for quality control and reporting purposes.
Supported loan pipeline management by maintaining updated status reports and prioritizing high-risk files.
Collaborated with internal teams to maintain compliance standards and streamline review workflows.
Skills Developed:
Strong understanding of loan origination, underwriting, and closing processes.
In-depth knowledge of mortgage compliance regulations and risk assessment.
Proficiency in loan management systems and document review platforms.
Key Highlights:
Contributed to a significant reduction in post-closing errors by maintaining high review accuracy.
Recognized for consistently meeting review targets under tight deadlines.