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Milpitas
Krati Salgia

Krati Salgia

Mortgage Industry

Banking / Loans

Milpitas, Santa Clara

Social

About Krati Salgia:

I have and experience working as a loan officer assistant in the mortgage industry. 

Experience

May 2021-2024

Mortgage Loan officer Assistant                      Neat Loans, campbell (CA)

  • Review the borrower’s application, documentation, compiled loan submission package, setting up the loan application into the Banks loan origination system and ensured the application accuracy and compliance with Fair Housing regulations.
  • Analyzed client’s financial statements to determine applicable ratios and risk metrics.
  • Supported the mortgage origination process by communicating with clients, underwriters, processors, appraisers, closures and other relevant parties.
  • Order and obtain tax and flood services, UCC searches, Insurances.
  • Collected required documentation to complete the loan application in a timely manner and effectively communicated the application process and loan requirements to clients.
  • Timely issuance of the closing disclosure and loan documents.

 

Sep 2018- Mar 2021

MLO Assistant                                                               pnc bank, cupertino (CA)

  • Responsible for setting up Mortgage Refinance Loans and Purchases. 
  • Prepare and submit the loan application and maintain the application pipeline. Collect and examine the supporting loan documentation in accordance with the guidelines.
  • Review all loan package documentation for discrepancies, omissions, and income calculation and work with loan originator to resolve discrepancies. 
  • Estimate credit worthiness as per the guidelines. Handle certain loans with exceptional approval while managing risk and compliance.
  • Managed high volume loan pipeline with average of 40+ loans and $50 million in financing.

 

2015-2017

credit manager                                                              Bank of maharashtra

  • Oversee lending process including the initial application, review, underwriting. Deal size ranging from $2M to $200M.
  • Performing due diligence, credit appraisal for business clients. Understand company’s business model, detailed financial analysis, risk assessment & mitigation strategy.
  • Detailed analysis, decision making for funding a client and presentation of proposals / cases to the committee.

 

 

Education

April 2016

master of economics Administration & Financial Management (EAFM)

Nov 2010

Chartered Accountant, Institute of Chartered Accountants of India (ICAI)

 

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