Anjitha Prasad

Mortgage professional with 6+ years of specialized experience in US residential mortgage loan processing, underwriting, and pre-purchase review auditing. Skilled in evaluating loan files for compliance with investor and regulatory guidelines, verifying borrower income, assets, and credit, and identifying risk and documentation gaps. Certified in residential mortgage underwriting and regulatory compliance by the Mortgage Bankers Association.

Currently returning to the workforce after a planned career break.

Senior Loan Processor - EXL Services

(2020-12 - 2022-12)

• Processed US residential mortgage loan files end-to-end, ensuring accuracy and completeness of borrower documentation prior to underwriting submission.
• Reviewed income, asset, credit, and title documentation for compliance with investor and agency guidelines.
• Coordinated with underwriters, borrowers, and third parties to clear conditions and resolve documentation discrepancies.
• Maintained loan file quality and turnaround standards in line with regulatory and investor requirements.

Senior Pre Purchase Review Auditor - Firstsource Solutions

(2019-11 - 2020-12)

• Conducted pre-purchase quality control audits on US residential mortgage loan files prior to investor purchase.
• Verified compliance with underwriting guidelines, regulatory requirements, and investor overlays.
• Identified documentation deficiencies, underwriting errors, and compliance risks, and reported findings to stakeholders.
• Ensured loan files met investor and secondary market purchase standards.

Associate Mortgage Underwriter - Sutherland Global Services

(2016-06 - 2019-09)

• Underwrote US residential mortgage loan applications, assessing borrower creditworthiness, income, and asset documentation.
• Applied investor and agency underwriting guidelines to determine loan eligibility and risk.
• Reviewed appraisal, title, and insurance documentation to ensure collateral and compliance requirements were met.
• Collaborated with processors and loan officers to resolve conditions and support timely loan decisions.

Bachelor's Degree - English Language and Literature - Alphonsa College, Pala (2013 - 2016)

Higher Secondary Education - Humanities - St. Little Theresa's Girls Higher Secondary School