Sandhiya Murugesan

Experienced Team Leader – Loan Setup with strong expertise in U.S. mortgage operations, specializing in Delegated, Non-Delegated, and Mini-Correspondent channels. Proven leader with deep operational knowledge of FHA, VA, USDA, Conventional, and VA IRRRL (Streamline Refinance) loans. Adept at guiding teams, managing complex loan setups, ensuring underwriting compliance, and driving high quality and productivity standards using Encompass and Dash systems.

Team Leader – Loan Setup (Non-Delegated & Mini-Correspondent) - Moder (An Archwell Company)

(2026-01)

• Lead Loan Setup operations across Delegated, Non-Delegated, and Mini-Correspondent channels
• Oversee and mentor analysts handling FHA, VA, USDA, Conventional, and VA IRRRL (Streamline) loans
• Ensure accurate review, indexing, and validation of initial loan documents as per Dash guidelines
• Supervise borrower and loan data verification across: 1003, Appraisal, Credit Report; Note & Security Instrument; Loan Estimate (LE) & Closing Disclosure (CD); Lock Agreement, VOE, and AUS Findings
• Review and approve loan data entered in Encompass, ensuring underwriting and investor compliance
• Provide credit risk guidance, identify red flags, and recommend mitigation strategies
• Act as escalation point for complex, high-risk, and priority loan files
• Conduct quality checks to ensure first-time-right loan setup
• Drive SLA adherence, productivity balance, and quality metrics
• Collaborate with QA, underwriting, and client-facing teams to resolve defects and improve turnaround time

Senior Analyst – Loan Setup (Non-Delegated) - Moder (An Archwell Company)

(2024-01 - 2025-12)

• Handled FHA, VA, USDA, Conventional, and Streamline loans
• Reviewed and indexed initial documents as per Dash guidelines using Dash application
• Validated borrower information across Appraisal, 1003, Note, Security Instrument, CD, LE, Lock Agreement, Credit Report, VOE, and AUS findings
• Updated loan setup data in Encompass, ensuring compliance with underwriting standards
• Performed comprehensive credit analysis, assessed borrower risk, and recommended mitigations
• Managed Delegated and Mini-Correspondent loan setups, ensuring document accuracy and completeness

Specialist – Investor Billing - Ocwen Financial Solutions Pvt. Ltd.

(2022-07 - 2022-11)

• Handled investor billing and claim processing for FC/Active REO, REO Sold, Short Sale, Deed in Lieu, Charge-Off, Modifications, and Bankruptcy claims
• Filed Escrow Advances, TPCA, and MRCA claims with accurate reconciliation
• Maintained precise documentation and ensured data security compliance
• Prepared investor reports and supported audits

Senior Process Associate – Mortgage Operations - Ocwen Financial Solutions Pvt. Ltd.

(2021-03 - 2022-07)

• Processed Conventional, FHA, VA, and USDA loans
• Indexed and validated closing and underwriting documents including Note, Security Instrument, CD, Title Commitment, Appraisal, and AUS findings
• Identified missing or incorrect documents and coordinated corrections
• Maintained quality standards to prevent underwriting and funding delays

Process Executive – Underwriting Support - Infosys BPM Ltd.

(2018-07 - 2020-07)

• Supported live underwriting by reviewing loan documents such as 1003, Paystubs, Bank Statements, Credit Reports, W2s, Deeds, and RMA
• Calculated borrower income as per guideline requirements
• Assisted with assumption loan approvals
• Coordinated with internal and client teams to improve process efficiency

Bachelor of Commerce (CSCA) - Sri Jayendra Saraswathy Maha Vidyalaya College of Arts & Science