Divyanshu and Anshu
Pathankot, India • Tel: + 91 99884 67099 • Email: sdivyanshu071@gmail.com • LinkedIn:
https://www.linkedin.com/in/divyanshu-sharma-00aa0a185?
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Highly skilled underwriter loan processor, Lease Administrator, and Credit Analyst with a proven track
record of success in the financial industry. Expertise in analyzing loan applications, conducting risk
assessments, and ensuring compliance with regulatory guidelines. Proficient in lease management,
negotiation, and contract review. A finance enthusiast who is committed to delivering exceptional
service, building strong relationships, and driving business success through strategic financial solutions.
Detail-oriented and analytical problem-solver with a dedication to accuracy and precision. Seeking new
opportunities to contribute to a dynamic organization and make a positive impact.
WORK EXPERIENCE
2023 – current Leasing Administrator/Process Executive Pride Group Enterprises PVT LTD
INDIA headquarters in CANADA
1. Vehicle Fleet Oversight
• Managing and overseeing the operations of fleets associated with Volvo VFS,
Kenworth, PACCAR, Freightliner, and Daimler vehicles.
2. Maintenance and Servicing:
• Implementing maintenance schedules and overseeing servicing for the fleet to ensure
optimal performance and safety.
3. Regulatory Compliance:
• Ensuring compliance with regulatory standards and requirements for vehicle
operation and transportation laws.
4. Budgeting and Cost Management:
• Handling budgeting and cost management related to fleet operations, including
optimizing expenses and identifying cost-saving opportunities.
5. Asset Tracking and Utilization:
• Monitoring asset utilization, tracking vehicle movements, and optimizing their use for
efficiency.
6. Data Management and Entry:
• Updating lease-related information such as expiry dates, rental rates, etc.
• Producing lease abstracts and summaries.
7. Invoice Processing and Payment:
• Managing day-to-day lease invoice processing and ensuring timely payments if
necessary.
8. Critical Date Tracking and Notification:
• Tracking upcoming notice deadlines, renewal option dates, and expiration dates.
• Sending timely notifications for critical dates.
9. Record Keeping and Maintenance:
• Maintaining both physical files and electronic records of leases and related
documents.
2020 – 2022 Process Associate/Mortgage Loan Processor
SitusAMC Gurugram (India) Headquarters in USA
1. Loan File Analysis:
• Reviewed and analyzed loan applications, assessing borrower credit profiles, income
verification, and collateral evaluation.
2. Risk Assessment:
• Evaluated risk levels by calculating debt-to-income (DTI), loan-to-value (LTV), and
creditworthiness ratios to determine loan eligibility.
3. Documentation Expertise:
• Thoroughly examined and validated supporting documents, including income
statements, tax returns, bank statements, and credit reports to ensure compliance with lending
guidelines.
4. Regulatory Compliance:
• Maintained up-to-date knowledge of mortgage regulations (e.g., RESPA, TILA, TRID)
to ensure loan packages met legal and compliance standards.
5. Collaboration and Communication:
• Worked closely with loan officers, processors, and other stakeholders to gather necessary
information, resolve discrepancies, and ensure a seamless underwriting process.
6. Decision Making:
• Made informed decisions on approving, suspending, or denying mortgage applications
based on thorough analysis and adherence to lending criteria.
Familiarity with Ratios:
• Debt-to-Income (DTI): Calculated borrowers’ DTI ratios to assess their ability to
manage monthly mortgage payments relative to their income.
• Loan-to-Value (LTV): Evaluated the ratio between the loan amount and the appraised
value of the property to gauge risk and collateral adequacy.
• Creditworthiness Ratios: Analyzed credit scores and credit history to determine
borrowers’ creditworthiness.
Forms Typically Used:
1. 1003 Loan Application: Gathered essential borrower information, property details, and
purpose of the loan.
2. Verification Documents (Income, Assets, etc.): Included pay stubs, W-2s, bank
statements, tax returns, and other documents for thorough verification.
3. Underwriting Transmittal Summary: A summary sheet outlining key details and the
underwriter’s decision on the loan application.
4. Closing Disclosure (CD) and Loan Estimate (LE): Important forms providing loan
details, terms, and costs to the borrower.
RELEVANT SKILLS
Computer skills: Microsoft Office,MRI Software, Yardi, LeaseQuery,ProLease,Visual Lease Mortgage
Underwriting Software:Ellie Mae Encompass, Calyx Point, LendingQB, Byte Software, Mortgage
BuilderTechnical: Accounting, Electrical, Plumbing, Carpentry, Cooking…
• Professional/Social: Proficient in data management, encompassing the handling and continual
updating of lease-related information, including critical details such as expiry dates and rental rates,
adept at generating abstracts and summaries. Experienced in day-to-day lease invoice processing,
ensuring timely payments, showcasing adept financial management. Demonstrates keen organizational
skills through adept tracking and management of crucial dates like notice deadlines, renewal options,
and lease expirations. Possesses strong capabilities in efficiently maintaining both physical and
electronic records, coupled with a versatile administrative proficiency encompassing various lease
management tasks. Skilled in client communication, adeptly following up with clients and ensuring
seamless coordination between sales and leasing staff. In the realm of mortgage underwriting,
proficient in conducting comprehensive risk assessments by analyzing financial data and evaluating
ratios like DTI, LTV, and credit scores for informed lending decisions. Demonstrates thorough
expertise in reviewing and validating supporting documentation, ensuring accuracy and compliance
with lending standards. Exhibits in-depth knowledge of mortgage regulations such as RESPA, TILA,
and TRID, ensuring loan packages meet legal requirements. Strong collaboration and communication
skills are evident in effective teamwork, liaising with diverse stakeholders for information gathering
and discrepancy resolution. Possesses a knack for sound decision-making in evaluating loan
applications, rooted in comprehensive analysis and strict adherence to lending criteria.
• Languages: Hindi Native Language, English(fluent), French(intermediate)
EDUCATION
2021 Masters in Commerce GURU NANAK DEV UNIVERSITY (Pathankot ,
India) Accounting, finance, economics,
marketing, business law, taxation, and organizational behavior. Additionally, the curriculum
often includes modules on financial analysis, strategic management, international business, and
entrepreneurship. This specialized program equips students with comprehensive knowledge and
practical skills essential for excelling in diverse roles within the corporate and financial sectors.”
2017 Bachelor in Commerce GURU NANAK DEV UNIVERSITY (Pathankot , India)
Accounting, economics, business management, finance, and marketing. The curriculum delves into
areas such as business law, financial accounting, cost accounting, business communication, and
organizational behavior. Additionally, students often study subjects like taxation, auditing,
banking, entrepreneurship, and international business. This program offers a strong foundation in
business principles and practices, preparing graduates for various roles in the corporate world,
finance sector, or entrepreneurial ventures.”
PROFESSIONAL CERTIFICATIONS
Fleet management and freight broker 3.0 Udemy
