Sai Krishna Pulluri

Results-driven US Mortgage Underwriting professional with 9+ years of experience in Post-Closing Underwriting, Appraisal Review, and Mortgage Quality Control. Strong expertise in credit analysis, DTI calculation, collateral evaluation, compliance review, and investor guideline adherence. Recognized for maintaining 100% quality standards, meeting strict turnaround times, and driving continuous process improvements.

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.

MBA in Finance – TKR Institute of Management Sciences, Osmania University

B.Sc in MBBC – SRK Degree College, Osmania University