M K

Detail-oriented Quality Control Analyst and Mortgage Pre-Underwriting Specialist with extensive experience in residential mortgage operations, transaction monitoring, and risk assessment. Proven track record in income calculation, stipulation management, quality assurance, and compliance across complex mortgage platforms. Skilled in developing SOPs, automating Excel workflows, and conducting root cause analyses to drive operational efficiency and maintain 100% accuracy standards.

Quality Control Analyst at Mphasis PVT LTD (Digital Risk) (2025-09 – Present)

• Audit loan files to ensure 100% accuracy, operational compliance, and strict adherence to lender and mortgage guidelines.
• Perform pre-underwriting loan file reviews, verifying borrower income, assets, pay stubs, W-2s, bank statements, appraisal reports, and title documents prior to submission.
• Review critical entity documents, insurance policies, and title packages including Title Commitment, Title E&O, Closing Protection Letter (CPL), and Wire Instructions.
• Evaluate and clear complex loan stipulations to accelerate final loan approvals while maintaining data integrity within the CORE platform.
• Develop QA procedure documentation, checklists, job aids, SOPs, and onboarding training materials to standardize team processes.
• Design Excel-based automation tools for income calculation and loan notes, significantly driving team production efficiency.

Subject Matter Expert – Transaction Monitoring at Oremus Corporate Services Pvt. Ltd (2025-04 – 2025-08)

• Monitored and processed high-volume ACH and Wire payment transactions, ensuring strict accuracy, regulatory compliance, and timely settlement.

Senior Associate at RealPage Inc (2022-06 – 2024-09)

• Executed daily and monthly bank and vendor reconciliation processes to support financial close and internal/external audit requirements.
• Identified and corrected payment discrepancies, directly improving the accuracy and precision of financial reporting.
• Streamlined payment reconciliation workflows using automation tools and Excel PivotTables.
• Monitored Wire and ACH payment transaction execution for operational correctness.

Senior Associate at Cognizant Technology Solutions (2017-07 – 2022-06)

• Evaluated loan applications against the 4Cs of underwriting to establish borrower eligibility and minimize risk.
• Analyzed financial statements, tax returns (Form 1040, Form 1065), pay stubs, and property appraisals to validate income and property valuations.
• Reviewed application data against preliminary legal documents including Deeds, HUD-1 Settlement Statements, Power of Attorney, Trust documents, Tax assessments, Judgments, and Liens.
• Performed pre-closing quality reviews on loan files prior to releasing closing packages, funding, and post-closing functions.
• Completed fund disbursement procedures for attorneys, title companies, and necessary refund issuances.

Process Associate at Genpact Pvt Ltd (2014-06 – 2017-07)

• Managed multi-LOB mailboxes, verified policy information in HOST systems, and routed communications based on line-of-business parameters.
• Indexed policy batches accurately within Capture Plus under strict Turnaround Time (TAT) targets.
• Processed policy endorsements, cancellations, and renewals across various lines of business.