1. KHURRAM RAZA
2426 Kiowa Drive Grafton WI 53024 • Mob: 262-302-9622
Email: khurramraza4@hotmail.com
SUMMARY
Experienced Professional with a broad mortgage background over 10 years that includes underwriting
conforming and non-conforming loans with lending authority of $1 million and aggregate $3 million
delegation, risk management, compliance, national servicing, foreclosure prevention, short sale negotiation,
mediation, litigation and loss mitigation. Leadership background that includes, employee’s development,
department training, Project management, policy development and strategic planning. Extensive knowledge
of operational, Financial and investment risk management. Subject matter expert on ratios analysis, Price,
Profitability, Liquidity, Debt and Company efficiency ratios. Forensic Financial Analyst with an impressive
5+ years of experience with strong organizational skills, strong work ethics, excellent communication skills,
results-driven with extensive pro-forma and financial analysis experience. Extensive qualifications in
analyzing, implementing, user training, quality review and enhancement.
EMPLOYMENT HISTORY / PROFESSIONAL EXPERIENCE
Consumer Loan Underwriter 3 Sept. 2010- July 2015
Wells Fargo Home Mortgage
Underwriting and auditing the default loans under different investor portfolios, Freddie Mac, Fannie Mae, FHA and
Bank in Private. Delegation and Lending authority is $1 million and aggregate of $3 million.. Underwriting layer of
risk and addressing with compensatory factors risk involved under high Loan to value, bad or thin credit score, no or
zero cash reserve and self employment business and investment properties.
 Mortgage underwriting experience over 10 years including manual and exception underwriting of
conforming and non conforming loans including home lending, Consumer Credit Card, Personal Loans,
Home equity Line of Credit and Auto ad educational loans. Extensive experience of different Investor
portfolios, Freddie Mac, Fannie Mae, and FHA. Detail knowledge of AUS( Automated Underwriting
System)as well as (UDS) Fannie Mae Underwriting Desktop System.
 Completing income analysis including self employment income, corporate and Partnership cash flow analysis,
reviewing personal and business tax returns, credit reports, RESPA, Appraisal and title reports.
 Responsible for reviewing, analyzing, approving and underwriting most difficult and complex loans in order
to avoid risk to the servicer as well investor following the multiple investor’s portfolios and guidelines.
 Reviewing Credit reports, evaluating income statements for corporations 1120, S-Corporation 1120S,
Partnership 1065, Individual Schedule C businesses and Farm Income. Evaluating w2 income along with
multiple rental incomes and other sources of income that falls under continue and regular source from
underwriting prospectus.
 Analyzing different ratios: Debt to income, Housing to income, Back End DTI, Loan to value, and cumulative
Loan to value. Examining bank statements and other legal transactions to ensure the accuracy and
completeness.
 Implementing fraud detection techniques, performing compliance reviews. Handling escalated calls.
 Providing work direction, feedback and training to the new hiring lower staff and serve as a consultant on any
inquiries to assist management and other staff.
 Proficiency in computer skills which includes MS Word, Excel, Power Point.

2. Work Director 2 Loss Mitigation Department Jan.2010 ----Sept. 2010
Wells Fargo Home Mortgage.
 Lead, coach, trained and model to deliver an exceptional customer experience.
 Lead and contribute to the ongoing improvement of the process to achieve excellent results.
 Coach to ensure team goals are met and daily workflow is handled appropriately, and participate in the
negotiation and resolution when necessary.
 Demonstrate leadership by following and ensuring adherence to the guidelines and procedures of Wells Fargo.
 Assist Manager in developing daily, weekly and monthly report on various activities of workflow for onward
delivery to the AVP and also delivery to unit’s conference call during the week.
 Ensure all staff use telephone, voicemail, email, customer service, ownership standards through monthly
coaching and quick coaching.
 Reviewing, Prioritizing and distributing daily work to meet deadlines and goals.
 Monitoring work in progress making adjustments as needed; giving feedback and training to staff.
 Ensure to protect the interest of the bank by adhering to operating standards and processes; ensure all Audit
controls are in place including securing client information nightly, locking terminal when the staff is not at work
station.
 Ensure that the staff is fully complying with Banks' and industry codes of conduct. (Including corporate image
and professional Attire).
Underwriter Loss Mitigation Department
Wells Fargo Home Mortgage Servicing Centre March 2009- Dec. 2009
 Negotiating and underwriting default loans under Freddie Mac and Fannie Mae Portfolio under level of
Delegation B with authorized limit of one million and less than two million of total assets.
 Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer
requests in compliance to the industry guidelines.
 Responsible for meeting and maintaining portfolio lending quality standards.
Operation Supervisor Underwriting 2008-2009
Underwriter/Lending Officer 2006-2008
Senior Underwriter Lending. 2005-2006
Toronto Dominion Bank and Financial Group
 Supervise, lead, coach and trained the team of underwriters in the Lending department.
 Supervise daily work load, assist in hiring and reporting to the higher management.
 Underwriting conforming and non conforming loans. Manual and exception underwriting with delegation of
over 2 million of assets as senior underwriter.
 Construction of personal, Auto, Student and Home equity Loans. Lending operation that includes issuing of
funds, closing of loans and registration of liens and charges including discharge of charge to release the liens
after payout of loans/mortgages.

3.  Direct liaison with branches in order to assist Mortgage officers in origination of loans, reviewing of titles and
completion of funding report during post closing.
 Assisting branches, brokers, real estate's agents and attorney directly in order to resolve their issues and
escalations.
 Preparing Standing Operating Procedure for the unit to bring consistency in the operation and avoid process
gaps.
Financial and Marketing Manager 1990- 2004
Marketing Officer and Finance/Financial Analyst
Corn Processing Industries (Manufacturing Industries)
Extensive experience over 14 years in the multi level corporation as Financial analyst and Marketing Manager
that includes Corporate finance, Developing standards, Quality management, Problem solving, Process
improvement, cost accounting, statistical analysis, financial planning and strategy, Reporting research results,
Requirements analysis and Financial skills.
 Determining Cost of Operation, Collecting Operational Data.
 Extensive knowledge of Operational, Financial and investment risk management. Subject matter expert on
ratios analysis, Price, Profitability, Liquidity, Debt and company efficiency ratios.
 Identifying financial status by comparing and analyzing actual results with Plans and forecasts.
 Guides Cost analysis process by establishing and enforcing policies and procedures, providing trends and
forecasts, explaining processes and techniques and recommending actions.
 Assisting in improving financial status by analyzing results, monitoring variances, identifying trends in
order to recommend proper actions to the management.
 Developing Profitability model using Historical Model as well as Financial Analysis techniques with
new Product development.
 Developing Financial Planning, Budgeting policies and report preparation using Hyperion, Enterprise
Resource Planning and Customer Relation Management system.
 Utilizing Enterprise Resource Planning as well as Financial Analysis Tools in order to prepare illustrated
technical reports by using graphs, spread sheets and other financial charts.
 Monitoring the Channel of Distribution from Distributor to Whole Seller and Retailer to End Customer.
 Monitoring Logistic control, reviewing quotation and comparing data for management decision.
 Prepared and implemented procedures & policies approved by the board of Directors.
 Estimated the cost of the product, preparation of profit & loss account, trial balances and final reports for
onward submission to the public sector.
 Prepared quarterly, semi-annually and annually sales and financial budget in order to forecast future
plans.
 Responsible for National as well as International Sales distribution.
 Monitor and research competitor’s strategies/policies and reported findings to the General Manager.
EDUCATION
 Master of Business Administration (Major in Finance) 1989
 Bachelor of Commerce (Major in Accounting) 1985

4.  Graduated in Commerce (Major in Accounting and Finance) 1983
Certification:
 FHA DE (Direct Endorsement) and FHA manual Underwriting completed from California.
 Real Estate Certification from Greater Milwaukee Association of Realtor completed.
 Micro soft office. Completed.