Hemalatha (divya)

Seeking a job position as a mortgage loan processor to provide great customer service and to attract new clients. Ability to maintain professional reputationby using professional skills and educational qualifications.

US Mortgage Process - Accenture services Pvt. Ltd. - Tecci Park, Sholinganallur, Chennai.

(2014-10 - 2020-06)

Mortgage industry professional with loan-processing experience and a comprehensiveknowledge of conventional and government loan programs. Diligent and detail-oriented -- thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing.

• Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

SBA Loan origination and Forgiveness Process - Accenture services Pvt. Ltd. - Tecci Park, Sholinganallur, Chennai.

(2020-07 - 2021-09)

As part of the coronavirus Aid, Relief, and Economic security Act, also known as the CARES Act, the US Congress allocated to the creation and administration of the ‘Paycheck Protection Program” or PPP. The PPP is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll. The purpose of the Origination Process is to complete loan information section of the checklist, complete information validation section of the checklist, review provided documents in nCino document manager, complete loan amount validation, upload completed checklist to document manager.

Finally check mitigation policy exception and sent to E-Tran. The SBA will forgive loans if all employee retention criteria are met and the funds are used for eligible expenses.

• Auditing the required documents related to the payroll costs, Non payroll costs, and FTE details.
• Preparing the QA Form, move the loan to next stage/ raised a case as per the updated QA form accordingly.

Lease - JBGS – Reconciliation YEB - Accenture services Pvt. Ltd. - Tecci Park, Sholinganallur, Chennai.

(2021-10 - 2025-12)

Completed CRE training. Lease Abstraction: Abstracting the Key information from the Lease Agreements and populating into the Clients Application Software. Abstracting the critical data from the multi-lingual Documents and entering the Lease Abstract form. The process is to generate Year End reconciliation and recovery estimate reports. This process also involves performing validation of Year End Reconciliation and Estimate billings and preparing billing packages.

KIMCO - Accenture services Pvt. Ltd. - Tecci Park, Sholinganallur, Chennai.

(2025-10 - 2026-03)

CAM Billing process is, preparing the year end reconciliation billing in Real Estate Management Application – MRI. The CAM billing process is performed to reconcile and determine actual amount to be billed to Tenants. The team will generate the various MRI reports and compare them with the CAM and Insurance section of the lease agreement and determine the actuals to be billed to the Tenants.

Also, prepares Excel templates such as CAP Roll Forward sheet, CAM notes, GLA tie out and special billing templates, as required.

DRA CAM Audit - Accenture services Pvt. Ltd. - Tecci Park, Sholinganallur, Chennai.

(2026-04 - 2026-05)

• Reviewed and Audited common area maintenance reconciliations and tenant charge calculations. Validated lease terms, operating expenses, admin fees and recovery calculations against lease agreements. Compared landlord statements, supporting documents and system calculations to identify discrepancies between lease and recon file.

Site center project (Due Diligence) - Accenture services Pvt. Ltd. - Tecci Park, Sholinganallur, Chennai.

(2026-06)

Lease Abstraction: Abstracting the Key information from the Lease Agreements and populating into the Clients Application Software. Abstracting the critical data from the multi-lingual Documents and entering the Lease Abstract form.

M.Com - Commerce - MADRAS UNIVERSITY (2014 - 2016)

B. Com - General - MEENAKSHI COLLEGE FOR WOMEN (2011 - 2014)

XII - GUNTUR SUBBIAH PILLAI GIRLS HIGHER SECONDARY SCHOOL (2011 - 2011)

X - GUNTUR SUBBIAH PILLAI GIRLS HIGHER SECONDARY SCHOOL (2009 - 2009)