Athulya R

Mortgage Operations Specialist with 4.6 years of experience in US Mortgage Operations, specializing in Pre-Purchase Review, loan quality review, mortgage documentation, and compliance. Experienced in reviewing Conventional, FHA, VA, and USDA loan files, validating documentation, identifying deficiencies, and applying investor and regulatory requirements. Skilled in LOS, ComplianceEase, Loan Estimates (LE), Closing Disclosures (CD), Changed Circumstances (COC), ATR/QM, RESPA, and TRID.

Additional experience in loan servicing operations, account maintenance, payments, payoff/prepayment quotes, and document management. Strong attention to detail with a consistent focus on accuracy, productivity, and SLA adherence.

Team Member at Coforge BPS (2024-11 – Present)

• Review mortgage loan documents using Purchase Review Checklists for completeness, accuracy, and compliance with investor and regulatory requirements.
• Perform quality reviews across Conventional, FHA, VA, and USDA loan programs.
• Apply working knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines during loan reviews.
• Identify document deficiencies and add clear, concise suspense conditions in the Loan Origination System (LOS).
• Update Loan Estimates (LEs) and Closing Disclosures (CDs) accurately in ComplianceEase.
• Review Changed Circumstances (COC) and tolerance requirements for applicable 0% and 10% tolerance fees.
• Conduct ComplianceEase testing to identify compliance risks and evaluate adherence to investor and regulatory requirements.
• Prepare and document conditions to resolve compliance failures and maintain management reports including production and performance reports.
• Contribute to departmental SLA targets through high accuracy and efficient processing.

Team Member at HCL Technologies (2024-04 – 2024-11)

• Evaluated and revised documentation to ensure accuracy and completeness.
• Classified documents according to specific categories and maintained proper filing and storage.
• Reindexed documents to improve accessibility and organization.

Associate at Tata Consultancy Services (TCS) (2021-12 – 2023-12)

• Managed loan account opening, maintenance, closure, and account removal processes.
• Booked new loans accurately into the loan servicing system and processed borrower payments.
• Updated loan accounts and generated/maintained loan servicing reports.
• Calculated loan interest and prepared prepayment/payoff quotes.

B.B.A / B.M.S in Finance