R Vijayakumar

Results-driven operations professional with cross-domain experience in US Mortgage and US Healthcare. Brings expertise in US residential mortgage pre-purchase review and proficiency in US medical insurance claims processing. Recognised for maintaining 100% accuracy across high-volume workloads, consistently meeting SLA commitments, and delivering quality outcomes aligned with investor, agency, and compliance standards.

Adept at stakeholder communication, team training, and process adherence in fast-paced environments.

Associate at Indecomm Business Services (2024-06 – 2026-06)

• Executed Pre-Purchase Review (PPR) of US residential mortgage loans encompassing both purchase and refinance transactions, ensuring adherence to investor and agency standards.
• Reviewed and validated critical loan documents — including Note, Mortgage/Deed of Trust, Loan Estimate (LE), Closing Disclosure (CD), AUS outputs (DU/LPA), Title Commitment, and Appraisal reports — with a focus on accuracy and completeness.
• Validated loan files against FNMA/FHLMC investor and agency guidelines, identifying and escalating compliance gaps effectively.
• Maintained a consistent throughput of 7–8 files per day at 100% accuracy, reliably meeting SLA timelines.
• Conducted T-Doc clearance and collateral document reviews; resolved discrepancies and exceptions with precision and within stipulated turn-around times.
• Utilised Encompass LOS (1+ year) for end-to-end loan application management, documentation, and workflow processing.
• Operated LoanDoc via VDI Client Portal (1+ year) to review, organise, and process loan packages in a compliant manner.
• Delivered training on new process initiatives and provided sustained floor support to team members, contributing to operational continuity and quality adherence.

Processor at SourceHOV India Pvt. Ltd. (2019-03 – 2023-11)

• Verified and adjudicated US medical insurance claims, ensuring accuracy, completeness, and strict compliance with coverage guidelines and plan limitations.
• Conducted thorough examination of claim documentation and related records to assess patient insurance coverage and determine appropriate claim disposition.
• Leveraged in-depth knowledge of the Facets platform to process, track, and manage insurance claim workflows efficiently.
• Prioritised and resolved high-aged claims, consistently delivering processed outputs within agreed SLA timeframes and quality benchmarks.

Bachelor of Engineering in Computer Science – Dhirajal Gandhi College of Technology