Vishalsingh Kushwaha
Toronto,ON
Summary
Experienced finance professional with expertise in US mortgage loan auditing and Underwriting, gained through roles at Firstsource Solutions Ltd and Cognizant. Proven ability to deliver exceptional service, meet business objectives, and tailor financial solutions to customer needs. Skilled in leveraging digital tools to improve customer experience, ensure compliance, and optimize efficiency. Strong team collaborator with a focus on ethical standards and achieving results. Seeking a co-op opportunity to expand skills in a dynamic finance and banking environment.
Overview
6
6
years of professional experience
Work History
Clerk
Loblaws Inc
09.2024 - Current
- Provided outstanding customer service to members and guests, consistently exceeding expectations for a positive experience.
- Collaborated with the team to ensure smooth operations, effective communication, and efficient task completion.
- Managed multiple responsibilities, including stocking, delivery scheduling, and order tracking, ensuring timely and accurate service.
- Organized inventory across 4 to 5 aisles and the frozen section, completing 2 to 3 skids daily to optimize workflow and minimize waste.
- Maintained proper stock levels in the frozen section, ensuring accuracy, labeling, and availability for customer needs.
Senior Analyst
Firstsource Solutions Ltd
02.2023 - 11.2023
- Demonstrated expertise in loan audit and underwriting on US mortgage applications, ensuring compliance with regulatory standards and client requirements.
- Led audits on various US home loans (Conventional, FHA, VA, VA IRRL, USDA, refinance loans), conducting compliance checks and auditing 10 loans per day to ensure adherence to industry standards and regulatory requirements.
- Conducted risk assessment, income validation (including review of 1040 tax forms, pay stubs, and refinance 1004D), fraud validation, and SSN validation to ensure the integrity of loan applications and minimize potential risks.
- Reviewed and analyzed key mortgage documents, including Note documents, Deeds of Trust, Appraisal reports, Flood certificates, Closing Disclosures, pay stubs, refinance 1004D, US Veteran documents, and 1040 tax forms for accuracy and completeness.
- Collaborated with stakeholders to resolve issues and optimize loan auditing processes, fostering a collaborative and efficient work environment.
- Leveraged digital tools to streamline banking processes, enhancing the customer experience and ensuring seamless transaction execution.
- Maintained up-to-date knowledge of legal and regulatory requirements, safeguarding customer assets while ensuring compliance with industry standards.
Senior Process Executive
Cognizant Mortgage Services Corporation
05.2019 - 02.2023
- Reviewed various loan types (CL1, CL4, Conventional, FHA, VA, VA IRRL, USDA) per the client’s audit checklist, ensuring compliance and accurate documentation.
- Audited 160 to 180 loans per month with 99% accuracy, ensuring thorough review and adherence to regulatory standards.
- Created and uploaded audit documents (Audit Checklist, TRID tool, Scrub Report, Validation, and Fraud Reports) to ensure thorough loan review and compliance.
- Coordinated with teams, Mortgage Brokers, and clients to ensure timely, accurate decisions while maintaining confidentiality.
- Built strong relationships with Mortgage Brokers, meeting targets for service, volume, asset quality, and profitability.
- Ensured compliance with legal regulations, reporting suspicious activities, and safeguarding customer assets, while addressing loan discrepancies and ensuring timely refunds.
- Managed Correspondent Lending operations, including early payoff invoicing and communication with lenders.
Education
Post-Graduate Diploma - Global Business Management
Humber Polytechnic
Toronto, ON08-2025
Bachelor's Degree - BBA in Finance
D.Y Patil University
Navi Mumbai, India04-2018
Skills
- Operations
- US Mortgage
- Financial solutions expertise
- Audit and Compliance
- Data Analysis
- Banking
- Communications and Teamwork
- Microsoft Excel
Timeline
Clerk
Loblaws Inc
09.2024 - Current
Senior Analyst
Firstsource Solutions Ltd
02.2023 - 11.2023
Senior Process Executive
Cognizant Mortgage Services Corporation
05.2019 - 02.2023
Post-Graduate Diploma - Global Business Management
Humber Polytechnic
Bachelor's Degree - BBA in Finance
D.Y Patil University
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