Bharath Ramilla

Mortgage Operations Professional with 6+ years of experience in Loan Processing, Underwriting support, Loan documentation review, Escrow and Property tax processing. Strong expertise in borrower income verification, credit analysis, title review. Proven ability to manage high-volume mortgage files while maintaining SLA timelines, quality standards, and operational accuracy.

Senior Analyst - Myfinser

(2026-01 - 2026-06)

• Sent initial communication emails to borrowers requesting required documents based on the specific loan type and investor requirements.
• Review and verify borrower's income, credit report, property appraisals and insurance information for underwriting submission.
• Sending remainders to lenders with open conditions to the loans allocated.
• Reviewing bank statements of the latest two consecutive months of borrower and one month bank statement which shows the previous month balance.
• Checking the large deposits of 50% of borrower qualified income.
• Verifying the Borrower track record, Reo documents, HOI, Payoff statement.
• Analyze and verify the entire credit report about borrower credit information like late payments, chargeoff/collections, FICO scores, inquiries etc.
• Review the borrower background report including verification of AKA names, criminal findings, foreclosure/notice of default.
• Review of Multiple Documents like 1003-Loan application, Appraisal report, Preliminary Title report, Entity docs, Lease agreement.
• Follow up with the lender and the borrower regarding the missing documents by tagging supervisor when required documents for the assigned loan have not been received.
• Processed and completed loan files in accordance with investor guidelines and compliance requirements.
• Coordinated with internal teams to resolve outstanding conditions and facilitate timely loan processing.
• Ensured all required documents, calculations, and verification were properly updated before final loan submission.

Operations Specialist - Eighty20 Business Services

(2024-08 - 2025-11)

• Reviewed and validated all the documents received through the pipeline, email, automator and flow portal.
• Updated document names according to the naming convention sheet.
• Review of Multiple Documents like Borrower docs, Appraisal report, Preliminary Title report, Entity docs.
• Identified errors, discrepancies, and missing information in provided documents and updated internal and external conditions accordingly.
• Managed task statuses by accurately updating conditions such as Hold, Partially Fulfilled, and Complete based on document receipt and review progress.
• Maintain the highest quality and performance standards across all deliverable tasks.
• Extracting the most recent property tax information from tax bills, purchase agreement, leases, Appraisal report, Vom and Payoff statements.

Senior Process Executive - Cognizant

(2021-03 - 2024-05)

• Handled property tax and escrow-related operations for mortgage servicing clients.
• Processed delinquency analysis, refund investigations, and property tax reviews.
• Coordinated with agencies and clients to obtain updated tax information and resolve discrepancies.
• Maintained operational accuracy and ensured all assigned files met SLA and compliance requirements.

Process Associate - Black Knight Financial Services

(2015-09 - 2018-01)

• Analyzing paystub, Tax transcript, W-2's, 4506-T for Conventional and FHA Loans.
• Verifying the verification of employment (VOE), written verification of employment (WVOE), Verbal verification of employment (VVOE) according to the type of borrower's income.
• Review of Multiple Documents like– Appraisal report, Prelim Title report, AUS/DU/GUS documents, HOI, 1003, Note, DOT.
• Reviewed borrower asset documentation and validated bank statements for compliance.
• Performed data validation, auditing, and escalation handling for incomplete mortgage files.

Accounts Executive - Hema Motors Pvt Ltd

(2013-09 - 2015-06)

• Preparing sales invoices & the upkeep of an accurate accounts filing system.
• Maintained financial records and supported month-end accounting operations.
• Responsible for all accounting transactions using Focus software.
• Preparation of month end journal vouchers.
• WorkShop Data Maintenance, CashBook Maintenance.

Bachelor of Commerce - Computer Applications - Thushara Degree College, Warangal