Chandrakanth Mukkamala

• Ensured timely delivery of assigned monthly routine monitoring (RM) activities by applying the RM methodology
• Perform MI analysis and root cause to identify customer or business impacting risks for review
• Undertaken comprehensive risk based and customer outcomes focused monitoring
• Maintained accurate records for RM in relation to evidences, business notifications, response, closure of actions, minutes, trackers etc
• Communicate comprehensive RM findings to respective stakeholders
• Provide a clear summary of findings and clearly call out the impact it has on our customer and business
• Maintained knowledge of the internal policies, procedures and changes in business to be able to complete monitoring effectively.

Changed Circumstances Validations (CCV)

• As a part of US Federal mortgage policies, TILA-RESPA Integrated Disclosure (TRID) every Lender should Disclose fee by issuing Loan Estimate(LE) to Consumer
• CCV determines the validate of change by reviewing information present in the request to the increase of fee must be disclosed with in 3 business days of gaining Knowledge or the fee will be subject an over tolerance(OT) Credit
• If there is a valid reason for the change to addition/increase Related Service Group(RSG) We will disclose in Loan Estimate to Consumer.

• As a part of US Federal mortgage policies, truth in lending Act (TILA) every mortgager should give the 3 days of rescission period to the borrower from the closing day
• In order to ensure the given data by the borrowers and the title insurance company and the HMC we use to review the title documents and closing document include NORTC
• On NORTC we ensure the dates and the signatures of the borrowers on the closing documents are matching the required policies i.e.., 3 days of rescission period
• If any thing misses we directly contact the concern person and correct it by the different kind of job roles.

• It is the process where we ensure the application data provided by the HMC is matching with the requirements
• Here we check different screens on the Application i.e.…, borrowers, property, liabilities, assets, employment, credit screens
• We ensure the data provided by the HMC is correct and then we pass it to the next level of processing.

• Helping state side HLP’s and HMC’s by doing Auditing
• Perform pre-Underwriting Tasks
• Auditing the loans as per trainings imparted and meeting the Functional Goals /SLA
• Verifying Credit report with the Core Application
• Replying to state side partners whenever there is an Issue
• Updating the core fields whenever the time required
• Acting as a SPOC for Solving process queries from SMEs
• Conducting team Engaging activities for Employee engagement
• Taking initiatives like taking query calls
• Meeting the daily targets and monthly metrics and productivity
• Stretching overtime whenever there is a business requirement
• Taking cross training with other processes like ADS, insurance etc
• Ensure quality of analysis and provide necessary progress and production reports for the upper Management
• Ability to manage the Team and process the work flow
• Able to identify the process gaps and discuss with the team and make necessary actions
• Review and Maintaining Loan Documents.