Josh C

Detail-oriented Mortgage Professional with 4+ years of experience in underwriting support, title examination, and post-closing audit. Skilled in reviewing Deed of Trust and Title Policy documents to ensure regulatory compliance and mitigate risk. Proven ability to manage high-volume workflows with precision, accuracy, and strict adherence to deadlines.

Senior Analyst at First Source Limited (2024-09 – Present)

• Perform detailed post-closing audit of mortgage loan files to ensure completeness and compliance.
• Review Deed of Trust and Title Policy documents for accuracy, legal validity, and investor requirements.
• Validate executed documents against closing packages and loan guidelines.
• Identify discrepancies in legal descriptions, vesting, loan terms, and signatures.
• Ensure all required documents are properly signed, recorded, and compliant.
• Audit title commitments and final title policies to confirm conditions are met.
• Track and resolve post-closing exceptions by coordinating with internal teams and title companies.
• Maintain high accuracy standards while meeting strict SLA deadlines.
• Support quality checks and contribute to reducing audit errors and rework.
• Track and chase outstanding trailing documents (recorded Deed of Trust/Mortgage, final Title Policy, Assignments) from title companies, attorneys, and county recorder offices until received.
• Verify recording information — book/page number, instrument number, and recording date — against county and investor requirements to confirm proper recordation.
• Maintain and update trailing document tracking logs/exception reports to monitor aging files and prevent SLA breaches.
• Escalate aged or delinquent trailing documents beyond standard turnaround time to vendors, title companies, or internal management for resolution.
• Review final recorded documents against original closing package to confirm no discrepancies occurred during the recording process.
• Index and upload verified trailing documents into the document management/imaging system for accurate loan file records.
• Ensure adherence to state-specific recording and legal document requirements during final document review.
• Perform document completeness checks to confirm all final collateral documents (Note, recorded security instrument, title policy, assignments, riders) are present in the loan file.

Analyst at Archwell (Moder Solutions India Pvt Ltd) (2021-07 – 2023-10)

• After closing we will look at the documents it is signed and not authorized properly or not.
• Expert in Final Docs process.
• We check three major documents Like DOT, Note.
• We will take note as base document. And verify all other documents.
• All the documents should reflect Same information as note Like borrower's name, Closing date Borrower signature date Property address & Loan amount.
• And also, we will check this information on all other documents Like pay-off affidavit, Borrower affidavit and some state specific documents.
• If any information is mismatching, we will mail to concerned team to modify info.
• And also, I am having good Knowledge in all US Mortgage Documents and Origination Process.

B.Sc. in MSCS – Sri Krishna Devaraya University (2016-04)