Shelina V.
Residential And Commercial Banking Specialist
Professional Value
Shelina is a risk specialist who helps mortgage underwriting teams at residential and commercial banks reduce defaults and boost loan‑securitisation pull‑through. She has over twenty years of underwriting experience delivering the lowest default and repurchase rates and the highest pull‑through in whole‑loan and CMO securitisations. Her expertise spans major US banking and investment institutions, enhancing risk‑management standards across the sector.
Executive Profile
Over 20 years of experience in all aspects of Residential & Commercial Mortgage Banking and Lending in loan production, operations, servicing, and technology, with a strong specialisation of over 10 years in underwriting loans for front line to due diligence and transaction and risk management in Whole Loan and CMO securitizations.
She has underwritten loans in due diligence for a number of banking, lending, and investment firms, including Wells Fargo Bank, Bank of America, HSBC, Morgan Stanley, Goldman Sach, Lehman, Merrill Lynch, and Impac, covering credit, compliance, and collateral risks in due diligence and transaction management.
Having audited and underwritten loans at an individual and transaction level, she has a unique insight and perspective in lending best practices, procedures, evaluation methodologies, guidelines, and assessing patterns of risks in loan documentation, fraud, and data. This enables her to achieve a very strong track record in successfully having underwritten quality loans with the lowest default, repurchases, and buy-back percentages and highest pull-through in loan securitizations.
An active volunteer with Campus MBA at the Mortgage Bankers Association in developing course content for their E-Learning Courses. She is a member of Professional Risk International Managers Association & National Association of Professional Mortgage Women.
Shelina's Specialties:
- Risk Management
- Banking
- Fraud
- Underwriting
- Due Diligence
- Strategic Planning
- Project Management
Core Competencies
Education & Training
Shelina designs and delivers in-house training programs and workshops for Residential and Commercial Mortgage Banking, focusing on industry standards, best practices, and skills development in sales production, operations, and risk management.
She provides expertise in creating educational content.
Risk Management
Shelina specializes in analyzing credit, compliance, collateral, and fraud risks in Residential and Commercial Mortgage Financing, performing due diligence audits for top investment firms and banking institutions.
Her expertise includes risk assessment, scoring, and modeling.
Finance, Financial Tools
Shelina provides domain expertise in technology solutions for Banking, focusing on implementation, methodologies, and process flows to manage production, operations, and risk.
Her expertise includes financial tools and technology solutions for mortgage banking and lending.