Kavinkrishna

Mortgage professional with 7+ years in Pre-Underwriting, Pre-Purchase, and Post-Closing. Skilled in loan file review, compliance, and data accuracy, seeking an Underwriting Support role to ensure error-free, investor-ready submissions. Committed to maintaining underwriting accuracy, compliance integrity, and operational excellence within the US mortgage process.

Underwriting support Analyst at Firstsource solution Ltd (2020-06 – Present)

PRE Underwriting - Verified loan file completeness and documentation accuracy including income, assets, liabilities, and disclosures. Cross-checked data across LOS, AUS, and Encompass for consistency and compliance. Reviewed TRID, RESPA, and agency guideline adherence; validated DU/LP findings and eligibility conditions.

Identified red flags such as omitted liabilities, employment inconsistencies, or unusual deposits. Escalated discrepancies and prepared underwriter-ready checklists for efficient decision-making. Recognized as Valued Achiever for 100% audit accuracy and process excellence.

Disclosures - LE & CD - I prepare the CD by verifying all loan terms, fees, and escrows in alignment with TRID guidelines. I review the LE, 1003, title fee sheet, taxes, homeowners insurance, mortgage insurance, prepaid items, and lender credits to ensure accuracy. I calculate escrow based on tax frequency, insurance premiums, cushion limits, and disbursement months.

Before issuing, I validate tolerance categories, payoff statements, impound setup, and cash-to-close figures. I complete a full pre-CD audit, clear discrepancies with title/HOI, and ensure the CD is delivered within the TRID 3-day rule.

Senior Associate - Pre-Purchase Review at Visionet System Inc (2019-06 – 2020-05)

• Conducted pre-purchase loan reviews ensuring investor readiness and document completeness.
• Verified TRID disclosures, borrower information accuracy, and compliance with agency guidelines.
• Highlighted missing items and coordinated resolutions prior to investor submission.
• Developed audit checklists and trackers for recurring issues, improving team productivity.
• Awarded Distinguished Achiever for audit excellence and consistent quality delivery.

Process Executive at Cognizant Technology Solution (2017-09 – 2019-05)

Ensuring that all necessary information is accurately recorded, verified, and managed throughout the mortgage lifecycle. This work supports compliance, risk management, and efficient processing of mortgage applications

• Entering borrower information into mortgage processing software.
• Updating records as new information is received.
• Ensuring data accuracy and completeness

Bachelor of Science in Mathematics – Muthayammal college of Arts & Science (2013 – 2016)

HS/HSS – Sri Sakthi Mr Hr Sec Scool