Summary
Overview
Work History
Education
Skills
Hobbies
Accomplishments
Timeline
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NIRMAL M

Senior Process Executive
Chennai

Summary

Results-driven Mortgage Banking Operations professional with 1.3 years of experience in end-to-end loan lifecycle management, including loan origination, processing, underwriting support, closing, post-closing, and servicing. Skilled in reviewing closing disclosures, loan boarding, escrow management, and investor delivery while ensuring compliance with FHA, VA, FNMA, and Freddie Mac guidelines. Proficient in Loan Origination Systems (LOS) such as Empower with a strong background in risk analysis, quality control, and regulatory compliance (TRID, RESPA, HMDA). Recognized for accuracy in high-volume environments, cross-functional collaboration, and enhancing borrower experience while meeting operational goals.”

Overview

3
3
years of professional experience
2
2
Languages

Work History

Senior Process Executive

Infosys BPM (Citizens Bank)
05.2024 - Current
  • Experience in US Mortgage part of Loan Origination and Post Closing. Deals with FHA, Conventional & VA loans.
  • Conducted detailed audits of Closing Disclosures (CDs) to ensure accuracy regulatory compliance and adherence to TRID rules.
  • Verified key loan terms, fees, and disclosures across Loan Estimate (LE) and Closing Disclosure (CD) documents to identify tolerance violations and discrepancies.
  • Reviewing borrower and lender charges, escrow items and prepaids to ensure alignment with internal policies and investor guidelines.
  • Collaborated with loan processors, underwriters and closing teams to resolve CD discrepancies and ensure timely delivery of accurate disclosure.
  • Maintained accurate audit logs and prepared audit findings reports for management and compliance teams.
  • Responding the onshore emails and requirements with an effective manner.
  • Ensure client parameters and SLA. Preparing productivity report and EOD report on daily basis.
  • Successfully cultivated and maintained relationships with external clients.

Associate Analyst

Sundaram Business Services (SBS)
01.2023 - 04.2024
  • Processing & reviewing Accounts and doing end to end for fund completion.
  • Reconciling Investments, Income (Dividend & Distribution) & Bank for the funds. Preparation of financial reports and general ledger for the funds.
  • Preparation of BAS (Business Activity Statement) on a Quarterly basis for filing of GST.
  • Preparing Month end entries–Prepaid, Accruals and Depreciation.
  • Regular interaction with clients through emails.
  • Planning and implementation of targets on time within the SLA.
  • Providing feedback and clarifications from the processors on their work at the time of QC.
  • Performed Client in and around Australia: Pitcher Partners, Bentleys, Mclean, KPMG and Bongiorno.

Education

Master's - Human Resource Management

Loyola College (Pondicherry University)
Chennai, India
10-2024

B.com - Accounting and Finance

Patrician College of Arts And Science
Chennai, India
04-2020

High School -

St. Patrick's Anglo Indian Higher Secondary School
Chennai, India
04-2017

Skills

  • End-to-End Mortgage Closing
  • Closing Audit & Compliance
  • Loan Origination Systems (Empower)
  • Regulatory Compliance (TRID, GUIDELINES etc)
  • Excel (VLOOKUP, Pivot Tables, Macros)
  • Quality Control & Document Verification
  • Data review
  • Team collaboration
  • Time management
  • Team building
  • Problem-solving abilities
  • Adaptability

Hobbies

Basketball

Fitness

Accomplishments

  • Spot Award Winner: Recognized for exceptional performance and contribution to high-volume mortgage processing within just 3 months of joining.
  • Reward & Recognition Award: Received "Reward and Recognition Award" in Q3, Q4 in 2024 and Q2 in 2025 for contributing to a 30% of improvement in team productivity.
  • Key Resource: Became a pivotal team member within 5 months, playing a critical role in operational success and team productivity.
  • Client Recognition: Received the prestigious "CREDO Award" from a top-tier client for excellence in auditing, highlighting meticulous attention to detail and accuracy.
  • Cultural Engagement: Actively participated in corporate cultural activities, winning multiple prizes, fostering team spirit, and contributing to a positive workplace culture.

Timeline

Senior Process Executive

Infosys BPM (Citizens Bank)
05.2024 - Current

Associate Analyst

Sundaram Business Services (SBS)
01.2023 - 04.2024

Master's - Human Resource Management

Loyola College (Pondicherry University)

B.com - Accounting and Finance

Patrician College of Arts And Science

High School -

St. Patrick's Anglo Indian Higher Secondary School

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NIRMAL M Senior Process Executive