Shubham S.

I worked as Senior Underwriter and Financial Analyst with 7+ years of experience in residential mortgage underwriting and Commercial lending. Core Expertise: Residential Underwriting – The 4Cs • Credit: Credit report & score, derogatory explanation letters, VOR/VOM, background checks • Capacity: Pay stubs, W-2s, tax returns, VOE, bank statements, DTI calculation, P&L (self-employed) • Capital: Bank/asset statements, 401k & brokerage statements, gift letters, VOD, earnest money proof • Collateral: Appraisal, purchase agreement, title report, hazard insurance, flood cert, inspection SBA & Commercial Underwriting: • Business & personal tax returns (2–3 years), financial statements (P&L, balance sheet, YTD), and debt schedule • Personal Financial Statement (PFS) and global cash flow / DSCR analysis • Business plan, use of proceeds, and entity documents (Articles of Incorporation, Operating Agreement, EIN) • Rent roll & lease agreements (multifamily/commercial) with environmental report and property condition assessment • Commercial/multifamily appraisal, franchise agreement (SBA), UCC filings & lien searches Delivering thorough, compliant documentation review across residential, commercial, bridge, multifamily, and SBA loan segments — using DU/LP AUS, investor guidelines and the 4Cs to ensure sound credit decisions.