K S GEETHA
Bangalore
Summary
Dedicated and detail-oriented Financial Analyst. Knowledgeable and efficient Mortgage Loan Specialist with 3 year of experience in financial and lending office. Proven ability to utilize inspiring Leadership, personal drive, creative vision, and analytical skills to yield successful delivery of both team and individual goals, actively contributing to organizational growth.
Overview
4
4
years of professional experience
Work History
Senior Analyst
Indecomm Global Solutions
Bangalore
03.2024 - Current
- Managing the Change of Circumstance (COC) process, addressing requests for modifications to fee structures and verifying tax implications.
- Utilizing applications such as Loan Track and IBM for managing and tracking loans.
- Loan Document Review in Post Closing team -Proficient in reviewing and auditing loan documentation, ensuring compliance with investor guidelines and regulatory requirements.
- Initiating the processing of assigned loans, determining state, product, and loan status for both purchase and refinancing cases.
- Preparing lender credit and discount calculators for loans with status updates (locked, extended, or updated).
- Creating and updating borrower origination calculators and documents when borrowers are responsible for origination charges.
- Handling fee adjustments for final inspections, interest rates, and origination charges based on client-provided grids.
- Communicating with clients for processing fee requests, adjustments, and providing updates.
- Conducted Pre Purchase Review to ensure loan files met investor guidelines and internal compliance standards after funding.
- Reviewed complete loan documentation including credit, income, assets, appraisal, and title documents to validate data accuracy and loan eligibility.
- Identified and escalated missing or incorrect documents, compliance issues, or discrepancies for timely resolution.
Centralized Disclosure Specialist (Mortgage)
Tata Consultancy Services
Bengaluru
02.2021 - 01.2024
- Conducted continual evaluation of company operations and created optimization solutions.
- Evaluated business processes, predicted requirements, identified opportunities for improvement, and designed & implemented solutions.
- Prepared initial loan estimate documents, reviewed correspondent files, indexed documents, and set up closing disclosures for loans.
- Was part of Loan modification team where I was managing Fixed rate and Step rate loans.
- Handled conventional, VA, and FHA loans using various tools such as Net OX, LDM, ERNST, and ResWare with VDI VMware application.
- Conducted training for new team members and checked the quality of production.
- Prepared MIS (Management Information System) reports for the team, monitored production, and ensured team health.
- Acted as a backup for the Team Lead in their absence.
- Conducted team huddles and collected process improvement ideas.
- Actively cooperated and interacted with all client entities.
- Performed other job-related duties and special projects as required.
- Managed rebuttals of errors received regularly to ensure quality was maintained at 100%.
- Acted as the main point of contact for customers and internal teams in addressing process-related inquiries.
Education
Masters - Accounting
MLA ACADEMY OF HIGHER LEARNING
04.2025
Commerce -
MLA PU COLLEGE
04.2025
schoolings -
MES PUBLIC HIGH SCHOOL
04.2025
Skills
- MS Office
- Loan Processing
- FHA Loans
- Disclosures
- Loan Originations
- Loan Servicing
- Post Closing
- Pre Purchase Review
Languages
- English
- Kannada
Timeline
Senior Analyst
Indecomm Global Solutions
03.2024 - Current
Centralized Disclosure Specialist (Mortgage)
Tata Consultancy Services
02.2021 - 01.2024
Masters - Accounting
MLA ACADEMY OF HIGHER LEARNING
Commerce -
MLA PU COLLEGE
schoolings -
MES PUBLIC HIGH SCHOOL