Bhavani Chatriyas

To contribute my mortgage servicing expertise to a growth-oriented organization.

Process Executive at COGNIZANT TECHNOLOGIES (2021-05 – 2023-10)

Department: Mortgage. Process: TAR and Escrow

• Processed Tax and Assessment Review (TAR) activities for U.S. mortgage loans by reviewing tax information, validating records, and ensuring accurate updates in the servicing system
• Conducted detailed research on property taxes, hazard insurance, flood insurance, and other escrow-related items to ensure compliance and accurate account maintenance.
• Coordinated with insurance companies, tax authorities, agents, and third-party vendors to obtain required documents, verify policy information, and resolve discrepancies.
• Reviewed and updated hazard insurance and flood insurance policies, including coverage amounts, effective dates, policy renewals, and borrower information.

Senior process executive at COGNIZANT TECHNOLOGIES (2025-03 – Present)

Department: Mortgage. Process: Loan servicing and Escrow

• Provided end-to-end resolution for borrower requests and loan servicing issues throughout the mortgage lifecycle.
• Reviewed mortgage statements, payment history, homeowner's insurance records, and condominium-related documentation to ensure accuracy and compliance.
• Consistently achieved daily productivity targets while maintaining Average Handling Time (AHT) within defined Service Level Agreements (SLAs).
• Maintained high-quality standards and achieved a 98% quality score through strong attention to detail and adherence to process guidelines.
• Assisted in onboarding and mentoring new team members by sharing process knowledge, best practices, and floor support guidance.
• Collaborated with internal teams to deliver timely and accurate resolutions for customer and loan servicing requests.

B.COM (Comp) in Bachelor of Commerce, Major in commerce – Nava Chaitanya Degree and PG college (2021)

Intermediate (CEC) in Major in civics and economics – New ST. Francis Xavier Junior College (2016)