Oommen is applying for a position as a US Conventional Mortgage Underwriter and Prefunding Purchase Reviewer with the recipient's company. He has 5 years of experience in this field working for ISGN as a Senior Analyst reviewing loans for CMG Financial. He holds a Master's Degree in Computer Applications and believes he has the necessary experience and skills like understanding lending guidelines, analyzing credit, income, assets, and compliance to perform the required duties of the position. He provides his resume and contact information and hopes to receive consideration for this opportunity.

1. OOMMEN C OOMMEN
Mobile : +91-9447617693
Email: oommenchirayil@rediffmail.com
Sub: US CONVENTIONAL MORTGAGE UNDERWRITER AND PREFUNDING PURCHASE
REVIEW
Attn: HUMAN RESOURCES MANAGER
Dear Sir,
I wish to offer my candidature for the above mentioned position in your prestigious
organization. I have an experience of 59 months (at Present) in the field of US MORTGAGE
as an UNDERWRITER AND PREFUNDING PURCHASE REVIEW. I am confident of having
necessary experience and exposure to adapt to your requisite job functions. Given an
opportunity, I shall make it my earnest endeavor to discharge my duties to the entire
satisfaction of my superiors. I have enclosed a copy of my curriculum vitae (CV), which will
allow you to review my background and qualifications. I thank you for your time and look
forward to hearing from you. Please feel free to call me on +91-9447617693 if you need any
additional information.
Thanking you again for considering me for this challenging opportunity in your esteemed
organization.
Yours Sincerely
Oommen C Oommen

2. OOMMEN C OOMMEN
oommenchirayil@rediffmail.com
Mob :- +91-9447617693
Career Objective
To be a professional in the domain of Banking and Financial sector where I can learn
and explore myself in Finance Operation Processes.
Professional Summary
I am an Indian national, Post Graduate in Computer applications, working for US
Mortgage Industry.
Excellent communication, relationship management, interpersonal, analytical and
problem-solving skills
Professional Information
Currently working with ISGN as a Senior Analyst for Prefunding purchase review for
the client CMG FINANCIAL from 2016 February.
Key Skills
Based on Fannie Mae and Freddie Mac guidelines, analyses whether the loans
qualifies credit, income asset and compliance requirements and approve the loan based on
the Debt-to-income calculation.
 Lending & Underwriting Guidelines
 Credit , Asset & Income Analysis
 Cash-Flow Analysis
 Risk Assessment
 Loan-to-Value Ratios
 Debt-to-Income Ratios
 Conforming Loans
 Excellent at MS- Excel.
 Self Employed Review
 Harp Loans Review
 Loan estimates and Closing disclosures

3. Achievements
 Monthly best performer awards
 Bi weekly best performer awards
 Attendance awards
 Client appreciations
 Employee of the year 2012
 Star performer award for many quarter
Previous employment details:
Sutherland Global ServicesInc, Cochin, Kerala.
Period: 2011 August to 2016 February
Position: Senior Consultant (Underwriter)
Holy Angels' English medium school, Malda West Bengal.
Period: 2009 March to 2011 May
Position: Computer Faculty
Academic Qualification
Masters Degree in Computer applications:- From Teams IT college, Thrissur Kerala, India.
[2008-2011]
Bachelor Degree:- Bachelor of Science - From Chinmaya mission College , Trichur , Kerala,
India. [2005-2008]
Higher Secondary:- Board of Higher Secondary Examinations, Kerala- H.S.E Shornur
Palakkad, Kerala, India. [2002-2005]
Secondary School Leaving Certificate – From Panjal Government Higher Secondary School
Thrissur Kerala, India (2002)
KGTE Type writing: - Kerala Govt. Tech exam for type writing - From City commercial
institution Thrissur, Kerala , India [2004]

4. Personal details:
Name : Oommen C Oommen
Fathers Name : Oommen C V
Address : Chirayil [H] Panjal PO, Thrissur Dt. Pin 679531
Date of Birth : 28th
February 1987
Sex : Male
Nationality : Indian/Kerala (State)
Marital Status : Single
Religion Caste: Christian, Pentecost
Languages Known : English, Hindi, and Malayalam
e-mail ID: oommenchirayil@rediffmail.com
alternate e-mail ID: oommenchirayil@gmail.com
Contact no- Mob: +91-9447617693 , +91-7736575401