Bhavana Chinna

US Mortgage Operations professional with 3+ years of experience in mortgage post-closing, document verification, auditing, indexing, and quality review. Experienced in reviewing mortgage loan files, identifying documentation discrepancies, validating loan information, and ensuring files meet process and quality requirements. Proficient in Encompass and ILM, with strong attention to detail, accuracy, and compliance.

Senior Associate - Firstsource Solutions Limited

(2024-09)

US Mortgage Post-Closing (PC) Audit, PHL Trailing Documents Audit, and Document Indexing – End-to-End

• Perform Post-Closing audits of U.S. mortgage loan files by reviewing the Legal Closing Package in the Encompass eFolder.
• Verify required closing documents including Note, Closing Disclosure, Affidavit of Occupancy, First Payment Letter, Initial Escrow Disclosure, USA PATRIOT Act, W-9, Signature Name Affidavit, Compliance Agreement, and Final 1003/URLA.
• Search Funding Approval, Title, and other relevant folders for missing documents.
• Review 4506-C documents for applicable FHA, VA, and Conventional loans including FNMA and FHLMC.
• Validate borrower information, property details, loan amount, closing date, signatures, and notary details.
• Review applicable California settlement documents and Texas T-64 documents.
• Perform underwriting and compliance checks using applicable process tools.
• Complete loan activities and update required information in Encompass.
• Ensure loan files meet post-closing documentation, quality, and compliance requirements.
• Audit Recorded Mortgage/Deed of Trust and Title Policy documents as part of the U.S. Mortgage Post-Closing process.
• Validate required checkpoints for document accuracy and completeness.
• Verify borrower name, property address, loan number, legal description, signatures, dates, and recording details.
• Identify missing information, pages, unrelated documents, and other discrepancies.
• Perform final quality checks before completing the audit.
• Review mortgage loan files and verify the presence of required documents.
• Classify and index documents and upload them to the appropriate attributes.
• Validate borrower information, property address, signatures, and closing dates.
• Identify missing documents and mismatched information as per process requirements.
• Perform data entry and quality checks after indexing.
• Participate in client calls for process updates and implement required changes.

Associate - Wipro Limited

(2022-08 - 2023-12)

Mortgage Document Verification

• Verify mortgage documents for accuracy, completeness, and required information.
• Review Note, Mortgage/Deed of Trust, Title Policy, 1003/URLA, Closing Disclosure, Appraisal, and supporting documents.
• Validate borrower information, property details, loan number, signatures, dates, and loan details.
• Ensure documents meet required quality and compliance standards.

B.Sc. - Computer Science - Nishitha Degree College, Nizamabad (2021)