Bhargavi Bharu

Accomplished US Mortgage Documentation & Title Operations Specialist with 7 years of comprehensive experience spanning loan lifecycle auditing, title clearance, and digital recordation. Proven expertise in high-volume mortgage processing, including Assignment of Mortgage (AOM) preparation, MERS registration, and complex title chain analysis across all US states. Adept at utilizing data validation tools like SQL and TablePlus to maintain data integrity and eliminate operational risk.

Recognized with multiple industry awards for process innovation, quality control, and cross-functional team leadership.

Mortgage Collateral Analyst - Finacplus (Churchill-RE) - Hyderabad, India

(2024-08)

• Audit and analyze critical collateral loan files including Notes, Loan Agreements, Guaranty Documents, HUD statements, Searching Register of Deeds for Recorded Mortgage, and Title Commitments to ensure compliance.
• Draft and manage Assignment of Mortgage (AOM) documents with high precision, maintaining adherence to county-specific regulatory standards.
• Oversee electronic recordation workflows via Simplifile, ensuring fast turnaround times for county registry submission.
• Maintain digital mortgage registries by handling real-time MERS registration updates and tracking transfers.
• Execute advanced SQL queries via TablePlus to perform deep data validation, run records reconciliation checks.
• Creating Assignments and Allonges chains in Word documents.
• Emailing custodians with shipment data.
• Dropping UPS labels for daily shipments in the internal operating system.
• Working on mortgage transactions from DD to closing and post-closing

Title Searcher - ThoughtFocus - Hyderabad, India

(2021-01 - 2022-08)

• Conducted end-to-end property Title Searches (Current Owner, Two Owner, and Full Searches) across all US jurisdictions.
• Utilized core title engines including Netronline, Data Tree, and Data Trace to retrieve historical land records.
• Constructed comprehensive chains of title, analyzing deeds, mortgages, liens, judgments, and probate files.
• Authored detailed title search reports highlighting clouds on title, encumbrances, and ownership variations to mitigate client risk.

Process Associate – Mortgage Operations - NTC Softech Private Limited - Hyderabad, India

(2019-10 - 2020-12)

• Managed high-volume document indexing, validation, and sequencing workflows for retail loan files.
• Conducted stringent quality control reviews on incoming loan files to ensure completeness before closing.
• Consistently exceeded daily operational key performance indicators (KPIs) for accuracy and client turnaround times.

Process Associate - First American - Hyderabad, India

(2017 - 2019-10)

• Supported core title and settlement services by verifying mortgage records against public databases.
• Managed workflow queues through proprietary platforms, identifying documentation errors early in the process.

Master of Business Administration (MBA) - Human Resources - Osmania University (2017)

Bachelor of Science (B.Sc.) - Bhavans Vivekananda College (2014)

Intermediate (Higher Secondary) - Narayana Junior College (2011)

Secondary School Certificate (SSC) - St. Anns Grammar High School (2009)