Niveditha S
Senior Associate - Audit & Assurance (US Mortgage Banking)
Bengaluru,KA
Summary
Experienced Auditor focused on improving business compliance, workflow and processes through detailed audits and optimization recommendations. Successful track record of fully evaluating information, structures and procedures and initiating corrective actions. Advanced skills in US Regulations - Mortgage Banking and worked of multiple Attestation Engagement audits. Proven capability in improving quality work, suggestion to client on internal control systems for better outputs. An effective leader with excellent communication, analytical, team building & relationship management skills.
Overview
1
1
Language
1
1
Certification
2
2
years of post-secondary education
4
4
years of professional experience
Work History
Senior Audit Associate
EY Global Delivery Services India, LLP
Bangalore, Karnataka
07.2017 - Current
- Specialized in US Mortgages Compliance audit – performed audit for multiple client that are to be compliant with HUD/GNMA regulations regarding pre-closing and post-closing of loans for Mortgage banks (specific to Single-family & Mutli-family mortgage housing loans).
- Performed loan level testing for Loan Origination/Loan Settlements/ Foreclosure/Escrow administration/ Delinquency/ foreclosure/charge off/ REO/ Short-sale. Also, performed review over underwriter procedures on closing/ approving loans (verified the LTV/CLTV for FHA/VA/RD loans.
- Post-closing endorsement on fees charged by the mortgagee/ lender, TRID tolerance, approvals, Initial Escrow disclosure statements, Loan Estimates & Final closing
disclosures etc. - Worked on Control testing , Accounts Payables & receivables and other major accounts.
- Delegated work to team members to share workload and continue meeting audit goals.
- Assessed internal controls by identifying variances and deficiencies and recommending critical changes.
- Developed auditing program to address risks and evaluate regulatory requirements.
- Followed up on reviews to assess and report on completion or progress of corrective actions.
- Managed strong client relationships to deliver exceptional service and maintain repeat business.
- Supervised and trained junior audit staff and student interns in how to effectively review physical and digital data.
- Led extensive audit programs based upon prior approved audit plans to evaluate management of institutional activities.
- Collaborated with clients' management teams to collect audit information and recommend strategic business improvements.
- Kept audits working smoothly to meet strict timetables and labor hour budgets.
- Established alternative audit, accounting and internal control procedures and recommended process improvements to aid clients in addressing deficiencies.
- Performed strategic planning, execution and finalization of audits.
- Complied with established internal procedures by examining reports, processes, and documentation.
Education
Master of Commerce - Accounting And Human Resource
Mount Carmel College, Autonomous
Bangalore 05.2015 - 07.2017
Skills
Internal controls development
Certification
EY Bronze Badge - Investment Banking & Capital Markets
Timeline
EY Bronze Badge - Investment Banking & Capital Markets
03-2021
Senior Audit Associate
EY Global Delivery Services India, LLP
07.2017 - Current
Master of Commerce - Accounting And Human Resource
Mount Carmel College, Autonomous
05.2015 - 07.2017
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