Raghavendra B G
Senior Mortgage Operations Specialist
Bangalore
Summary
Senior Mortgage Operations and Underwriting Professional with 9+ years of experience in supporting mortgage lending operations, pre-underwriting, loan processing, closing, post-closing activities, document verification, end-to-end process management due diligence, risk assessment and regulatory compliance. Proven ability to review loan files, identify discrepancies, validate borrower information, support underwriting decisions, and maintain exceptional quality standards supporting cross-functional teams.
Overview
10
10
years of professional experience
Work History
Senior Operations Specialist
OSBI
04.2017 - 04.2025
- Processed Certificate of Title to verify customer loan amounts, property details, and bank accounts.
- Reviewed loan applications for completeness and accuracy before underwriting.
- Performed initial risk assessments to identify missing information or discrepancies.
- Coordinated with legal team to secure necessary documents and signatures prior to fund disbursement.
- Confirmed case readiness for fund release by notifying legal team of scheduled dates.
- Managed Buy-to-Let (BTL) portfolios while maintaining SLA and quality standards.
- Verified required documents including income proofs, bank statements, employment details, ID/KYC, and property documents.
- Ensured compliance with internal SOPs and regulatory guidelines throughout the process.
- Supported underwriters by preparing fully-validated files for faster final decision.
- Trained new hires and supported migration and process improvement initiatives
ASSOCIATE
Wells Fargo
01.2015 - 11.2016
- Identified requirements for residential mortgage processes at WFHL.
- Analyzed title documents from underwriter agencies to ensure compliance.
- Conducted research per WFHL requirements and communicated needs to processors.
- Submitted completed work for quality assurance review, ensuring accuracy and timeliness.
- Tracked working hours in required sheets to meet productivity standards.
Education
MBA - Finance and accounting
Visvesvaraya Technological University (VTU)
Bangalore08-2014
BBM - Finance and Accounts
Bangalore University
Bangalore03-2012
Skills
Mortgage Underwriting Support
Mail box Management
Team Training & Mentoring
Incident and Escalation Management
Quality Assurance & Accuracy Control
SLA Monitoring and Performance Delivery
Workflow & Process improvements
Business Email Communication
Resource Allocation & Workload Management
Root cause analysis (RCA)
Managed End-to-End Migration Activities
Successful execution of pilot projects
Accomplishments
Cross-skilling : OSB India developed multi-process proficiency through a targeted crossskilling
project, becoming proficient in Interbay, KRBS, and CCFS operations, which
significantly contributed to resource flexibility and seamless workflow management
COT Migration: Worked on Certificate of title migration from HO to OSBI Projects. COTS of
KRBS and CCFS Trained new joiners and successfully migrated pilot projects.
Offer Pack Migration Project: OSB India Led the seamless transfer of the applicant and
solicitor offer pack process from HO to OSB India. This project ensured operational continuity
and resulted in cost savings, improved turnaround times, and enhanced scalability.
KAIZEN: OSB India Process Improvement & Innovation: Actively participated in Kaizen
initiatives, proposing over 6 process enhancement ideas. Successfully led the
implementation of 4 ideas, resulting in reduced email writing time, reduce time and adding
notes and cost cutting
Additional Information
- Prepared and maintained OPSCO, leave management, and quality reports.
- Coordinated with Head Office teams to resolve operational queries.
- Adapted to shift rotations and changing business requirements.
- Participated in UAT testing and reported system defects.
- Analyzed operational data and supported process improvements.
- Recommended workflow enhancements to improve efficiency and quality.
- Consecutively achieved 100% quality
Timeline
Senior Operations Specialist
OSBI
04.2017 - 04.2025
ASSOCIATE
Wells Fargo
01.2015 - 11.2016
BBM - Finance and Accounts
Bangalore University
MBA - Finance and accounting
Visvesvaraya Technological University (VTU)
Personal data processing
I hereby declare that all the information provided above is accurate to the best of my knowledge.
Yours Sincerely,
Raghavendra BG