Sai Krishna Pulluri

Senior Process Associate – Post Close Underwriter at Moder (2024-05 – 2025-12)

Conducted comprehensive post-closing underwriting audits to ensure compliance with lender and investor guidelines.
Analyzed borrower credit profiles, liabilities, and income to validate accurate DTI calculations and risk assessment.
Performed LTV calculations
Reviewed loan terms, interest rates, product eligibility, and repayment structures for accuracy and compliance.
Audited critical loan documents including Note, Deed of Trust, Closing Disclosure, and Final Underwriting Approval.
Verified appraisal, title, insurance, and collateral documentation to confirm eligibility and marketability.
Identified compliance gaps, documentation deficiencies, and data discrepancies; issued corrective conditions to mitigate risk.
Consistently met strict turnaround times while maintaining high productivity and quality benchmarks.
Led workflow distribution, prepared EOD reports, and conducted monthly quality reviews to improve team accuracy.
Coached team members through structured error analysis, driving measurable quality improvements.

Process Associate L2 – Underwriting Services at Newday India (2020-02 – 2023-04)

Performed detailed appraisal reviews (Forms 1004, 1073, 1025, 2055) to ensure valuation accuracy and investor compliance.
Analyzed Sales Comparison, Cost, and Income approaches to validate property value and risk exposure.
Reviewed comparable sales data for proximity, market trends, and adjustment accuracy.
Ensured compliance with Fannie Mae, Freddie Mac, FHA, VA, and USDA underwriting standards.
Reviewed Collateral Underwriter (CU) findings and resolved high-risk flags.
Verified property eligibility, zoning compliance, occupancy status, and marketability.
Collaborated with underwriters, AMCs, and appraisers to clear appraisal-related conditions efficiently.
Maintained SLA adherence while delivering consistent quality performance.
Recognized as a top performer for 7 consecutive months for productivity and quality excellence.

Subject Matter Expert (SME) – US Mortgage Call Auditing at KFintech (2016-12 – 2020-01)

Audited mortgage-related customer interactions to ensure regulatory compliance and service excellence.
Evaluated call quality against client and compliance standards; identified risk and service gaps.
Designed and delivered coaching initiatives that improved agent performance and compliance adherence.
Promoted from Trainee Associate to SME within 3 years based on consistent high performance.
Received 27 Star of the Month awards for achieving 100% quality and exceeding productivity targets.

About