Deepak Vadde

Mortgage Default Claims and Foreclosure Operations Specialist with 5+ years of experience in U.S. mortgage default servicing, claims processing, loan documentation, property preservation, HUD/FHA requirements, and internal quality control. Experienced in reviewing claim and loan documents, supporting HUD assignments, validating property preservation documentation, identifying liens, judgments and recording discrepancies, tracking insurance/tax/HOA requirements, and preparing files for investor submission. Maintained 98%+ QC accuracy and 100% production against target across review cycles while handling high-volume files.

Specialist – Supplemental Claims | Loan Processor & Internal QC at Onity Group (2022-09 – 2026-05)

• Specialized in reverse mortgage loans for senior-citizen borrowers, supporting files through the default and foreclosure lifecycle.
• Coordinated property preservation on vacant and abandoned properties during the default and foreclosure cycle, including securing entryways, winterizing plumbing, and clearing exterior and interior hazards to protect asset value ahead of claim submission.
• Verified contractor before, during, and after photo documentation for preservation activities to support claim-package accuracy and investor audit requirements.
• Managed assignment of loans to the U.S. Department of Housing and Urban Development (HUD) to initiate claims on behalf of the lender.
• Maintained 98%+ QC accuracy and 100% production against target across review cycles for 3+ years, auditing Mortgage Notes, Recorded Mortgages, Title Policies, HUD-1 Settlement Statements, and related documentation against investor and county recording requirements.
• Performed internal QC of required documents, identifying county-recording issues, liens, judgments, and missing-document discrepancies before final audit to reduce claim delays and rework.
• Tracked property insurance, tax, and HOA expiration dates across the active portfolio to help prevent coverage or documentation lapses during the default cycle.
• Supported peak-volume operations by absorbing overflow work and coaching junior processors on HUD documentation standards, QC techniques, and process updates.

Specialist – Pre-Packaging (Default Claims) at Onity Group (2022-09 – 2026-05)

• Redesigned the initial claims pre-packaging checklist and verification sequence, reducing claim processing time by 20%.
• Resolved incomplete and denied claims by tracing missing documentation and outstanding payments with clients, helping clear backlog that could delay investor submission.
• Reviewed HUD assignment documentation before submission, maintaining 97%+ compliance and identifying guideline gaps before investor rejection.
• Performed recurring QC checks across the pre-packaging queue to keep file sets complete, accurate, and aligned with current HUD standards.

Process Executive at Avanze Technologies Pvt. Ltd. (2021-01 – 2022-08)

• Reviewed and prepared retail mortgage documentation including bank statements, hazard insurance, paystubs, payoff letters, condominium documents, sales contracts, flood certificates, and W-2s against investor and compliance requirements.
• Sourced and compared insurance premium quotes across multiple carrier sites for Florida properties and prepared Quote Summary documents for customer sign-off.
• Reconciled monthly commission reports with zero payout discrepancies, supporting accurate and timely partner payments.
• Maintained Excel-based trackers and client management systems for confidential datasets, due dates, and high-volume concurrent files.

B.Com in Computer Application – The Adoni Arts and Science College (2017-06 – 2020-06)