1. Khurram Raza
2426 Kiowa Drive,
Grafton, Wisconsin 53024.USA
Cell: (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, employees
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.
SKILLS
Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Microsoft Outlook, Microsoft Visio, Calyx
Point, HP quality center/test, Lender Processing Services (LPS), Fannie Mae's Desktop Underwriter
(DU), Freddie Mac's Loan Prospector (LP), Automated Underwriting System, FHA Score Card and FHA
Connection, Imaging Software such Loan Image Viewer, Early Resolution Loss Mitigation Workflow
(ERLMF), Compliance Software and Risk Analysis. Subject Matter Expert of Profit and Loss, Income
Statement and Cash Flow. Certification in FHA,VA and Manual Underwriting Due Diligence.
EXPERIENCE
Wells Fargo Home Mortgage-Underwriter III (QC) Second Level Review-2010-2015
Underwrote Freddie Mac and Fannie Mae Portfolio and Wells owned conforming and non conforming
loans. Underwrote loans manually for exception approval from Freddie Mac and Fannie using strong
compensatory factors to cover layer of risk involved in Lending money. Completed assigned Projects on
Forensic Financial Analysis of Profit and Loss Statements, Income Statements and Cash flow including
Business Tax returns. Supervised the team of underwriters for over one year as a work director.
Performed Quality review of pre and post closing of files underwritten by the group of underwriters for
compliance purpose. Worked as Second Level Reviewer under Quality and compliance for Freddie Mac,
Fannie Mae and FHA Loans.
 Professionally expert in income analysis including self employment Schedule C, Corporate 1120,
S. Corporation 1120S Schedule K and Partnership Businesses 1065. W2 income and Rental
Income with multiple Real Estate owned (REO) Schedule E.
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2.  Subject Matter Expert in Financial auditing and compliance with respect to State and Federal
regulation. RESPA, TILA, HOEPA, ECOA, High Priced Mortgage Lending including HUD and
Good Faith Estimate Review.
 Performed ratio analysis, Debt to income, Housing to Income, Back End DTI, Loan to Value and
Cumulative Loan to value. Examining Bank Statements and other legal disclosures i.e. Right to
cancel disclosure forms used under Refinances H8, H9 and G7 for compliance.
 Provided coaching, work direction, training to the new hiring staff and served as a consultant and
liaison between staff and management.
Toronto Dominion Bank Canada-Credit and Risk Underwriting Analyst- 2005-2009
Worked as Operation Officer to analyze and complete pre and post closing documentation and Funding
compliance. Construction of Personal, Auto, Student and Home Equity Loans. Lending Operation that
includes issuing of funds at closing reviewing Final Hud for compliance purpose and registration of liens
and charges including discharge of charge to release the liens after payout of loans/mortgages.
Underwrote conforming and non conforming loans. Served as Team Supervisor for over one year to
monitor and coach the team of underwriters.
 Direct liaison with branches in order to assist Loan Processor and Loan originators, reviewing
titles and completion of funding report and disbursement sheet for pre and post settlement date
for timely disbursement and closing.
 Preparing Standing Operating Procedures for the bank and unit to bring consistency in the
operation and avoid process gaps.
Corn Processing Industry-Manager Marketing and Financial Analyst-1990-2004
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 and variance analysis, Financial planning
reporting and risk analysis. Marketing of Company Products and monitoring logistic control, preparation
of sales and financial budget and presentation to the board of Directors
EDUCATION
 MBA (Major in Finance and Marketing) 1989
 Bachelor of Commerce (Accounting) 1985
 Graduated in Commerce ( Finance) 1983
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