Justinasamu (Justi)

Highly motivated and detail-oriented US Mortgage Loan Processing Professional with nearly 3 years of comprehensive experience in mortgage operations, borrower documentation review, credit analysis, insurance validation, and compliance verification. Proven expertise in processing FHA, VA, Conventional, and Residential Mortgage loans while ensuring adherence to lender guidelines and industry regulations. Demonstrated ability to manage end-to-end loan processing activities including credit inquiries, Letter of Explanation (LOE) preparation and uploading, SMO-HOI validation, mortgage documentation review, and client coordination.

Strong understanding of mortgage workflows, underwriting support functions, and quality control procedures with a consistent record of maintaining accuracy, productivity, and turnaround timelines. Recognized for strong analytical thinking, communication skills, multitasking abilities, and commitment to delivering high-quality mortgage processing support in fast-paced and deadline-driven environments.

Loan Processor - Mphasis Digital Risk

(2024-08)

• Perform detailed credit inquiries and analyze borrower credit-related information to support accurate loan processing.
• Prepare, review, and upload Letter of Explanation (LOE) documents while ensuring proper system documentation.
• Review and validate SMO-HOI (Homeowners Insurance) documents for completeness, accuracy, and compliance.
• Coordinate effectively with borrowers, clients, and internal stakeholders for document collection and clarification.
• Ensure mortgage loan files are compliant, audit-ready, and aligned with lender and company guidelines.
• Handle high-volume mortgage processing tasks while maintaining productivity and quality standards.
• Support underwriting and operational teams by resolving documentation discrepancies and pending conditions.
• Maintain strong attention to detail and accuracy throughout the loan lifecycle process.

Senior Analyst - Stellar Innovation Pvt. Ltd.

(2023-03 - 2024-05)

• Processed FHA, VA, Conventional, and Residential Mortgage loan packages based on lender requirements.
• Verified borrower income documents, insurance files, and supporting mortgage documentation.
• Handled mortgage-related documents including deeds, liens, judgments, title-related records, and release documents.
• Performed checklist-based compliance reviews to ensure accuracy and completeness of loan files.
• Maintained productivity and quality benchmarks while implementing corrective actions based on QC feedback.
• Collaborated with internal teams to resolve documentation issues and reduce loan processing delays.
• Contributed to process improvement initiatives by maintaining organized workflows and accurate file management.

Bachelor of Computer Applications - Computer Applications - E.S.

Subramaniyam Memorial

College of Arts & Science (2019)

Higher Secondary Certificate - C.S.I.

Central Higher Secondary

School, Arakkonam (2015)

Secondary School Leaving Certificate - C.S.I.

Central Higher Secondary

School, Arakkonam (2013)