Aparna M
Ayapakkam
Summary
Subject Matter Expert with extensive experience in team mentoring and client communication management. Proficient in data analysis and process optimization, driving performance improvements and ensuring compliance in US residential mortgage operations. Recognized for delivering compliant loan packages that enhance volume growth while maintaining high-quality standards. In-depth knowledge of underwriting guidelines for both conventional and government-insured loan programs.
Overview
10
10
years of professional experience
Work History
Subject Matter Expert
Cognizant
01.2021 - Current
- Guided team to fulfill contractual obligations, achieving production and quality service level agreements.
- Elevated individual and group performance through constructive feedback and mentoring initiatives.
- Developed strategic plans for resource allocation to enhance skills and career advancement.
- Monitored turnaround times to ensure timely completion of all projects and loan documents.
- Reviewed credit, income, and asset documentation to maintain compliance with established guidelines.
- Led daily huddles to address internal issues and communicate process updates effectively.
- Managed client email communications, coordinating responses for process-related queries efficiently.
- Prepared and shared daily operational reports and quality metrics for client review and tracking.
Credit Services Advisory Analyst
Accenture
06.2015 - 01.2021
- Directed team toward meeting production and quality service level agreements consistently.
- Encouraged skill development among team members through mentoring initiatives.
- Developed advancement strategies for newcomers, promoting long-term resource growth.
- Offered constructive feedback aimed at improving both individual and group outcomes.
- Generated OE and OM reports to support internal and external audits.
- Evaluated credit, income, and asset documents as a pre-underwriting subject matter expert.
- Facilitated document collection by coordinating closely with processors on loans.
- Held daily huddles to address internal defects and share process updates.
Education
Bachelor of Arts - B.Com General
Bhaktavatsalam Memorial College For Women
Chennai05-2015
SSLC -
Govt. Girls. Hr. Sec. School
Chennai04-2012
HSC -
Govt.Girls.Hr. Sec. School
Chennai01.2010
Skills
- Training and development
- Employee mentoring
- Problem-solving
- Team collaboration
- Work efficiency
- Adaptability
- Client interaction
- MIS reporting
- Excel proficiency
- Mortgage knowledge
- Underwriting processes
- People management
- Microsoft Office Suite
Tools Activities Learned
- Client tool for processing underwriting
- Excel formulas and functions
- Process database and OE documentation
- Interacting with client emails
- Reporting for process
Other Contributions
- Worked on sending operational reports to the client.
- Assisted other team members during backlogs and month end activity.
- SPOC for documenting error log and cross trained in sub process.
- Provided ideas to improve team quality and performance.
- SPOC to conduct team engagement activities (Fun @ work activities) at every Fridays and Festival celebrations.
Roles And Responsibilities
- Underwrite conventional & Government loan files (FHA, VA) which includes review of Collateral, Income, Assets, Credit and Appraisal in accordance with investor and Lender guidelines.
- Analyze and review the initial documents 1003, credit report, income documents, Tax return, Title and Appraisal.
- Income Review (Capacity): Income document reviewing like Paystubs, W2, VOE, Deductions, SSI income, Pension income, Award letter, 4506-T etc.
- Credit Review: Based on credit report analyzing the borrower worthiness. Credit score, accounts, Credit disclosure & compliance, Derogatory credit, Fraud Alert etc.
- Asset Review (Capital): Appraisal, REO’s, Bank statement, 401k, VOD, gifts etc.
- Collateral: Appraisal review, HOI, Tax, income on subject property etc.
- Reviewing Title commitment, vesting, proposed insured, HOI – Mortgage clause, Policy period, Dwelling, Deductible etc. Also reviewing for red flags, fraud alerts Lexis and Nexis, Affidavits.
Affiliations
- At earliest, I became a reviewer in Pilot Badge
- SPOC for fun activities
- Got bronze certification in the top talent program
Accomplishments
- Rewarded has a star performer
Languages
- English
- Tamil
Personal Information
- Father's Name: (Late) J. Mugilvannan
- Date of Birth: 05/10/95
- Marital Status: Single
Disclaimer
I hereby declare that the information stated above is true to the best of my knowledge.
Timeline
Subject Matter Expert
Cognizant
01.2021 - Current
Credit Services Advisory Analyst
Accenture
06.2015 - 01.2021
Bachelor of Arts - B.Com General
Bhaktavatsalam Memorial College For Women
SSLC -
Govt. Girls. Hr. Sec. School
HSC -
Govt.Girls.Hr. Sec. School
Similar Profiles
RABAB FATIMARABAB FATIMA
Agency Success Lead – DV360 at CognizantAgency Success Lead – DV360 at Cognizant
Rene Villasenor RiestraRene Villasenor Riestra
Technical Program Manager/Service Delivery Manager at CognizantTechnical Program Manager/Service Delivery Manager at Cognizant
ASMA FARHEEN AASMA FARHEEN A
Associate (QA Lead) at CognizantAssociate (QA Lead) at Cognizant
Navya VootlaNavya Vootla
Associate at CognizantAssociate at Cognizant
Vincent C. FrazierVincent C. Frazier
Adjunct Culinary Instruction, ACDC. Lab Assistant Subject Matter Expert CUL163, Chef Specialist Desert Vista Child Parent Centers, Chef Instructor Gospel Rescue Mission, Subject Matter Expert UCUL140/160 at Pima Community College, Desert Vista CampusAdjunct Culinary Instruction, ACDC. Lab Assistant Subject Matter Expert CUL163, Chef Specialist Desert Vista Child Parent Centers, Chef Instructor Gospel Rescue Mission, Subject Matter Expert UCUL140/160 at Pima Community College, Desert Vista Campus