Roshan Thomas

Reporting & Analysis

• Prepared and reviewed MTD (Month-to-Date) and YTD (Year-to-Date) reports, ensuring accuracy and alignment with organizational standards.
• Conducted quality checks on reports to maintain high data integrity and reliability.
• Streamlined daily reporting processes, ensuring timely and accurate distribution of reports to key stakeholders.
• Delivered actionable insights from daily, MTD, and YTD reports to support informed decision-making.

Default Referral Process

• Uploaded documents to the extraction system in Tempo for accurate data processing.
• Reviewed extracted data for accuracy and ensured compliance with quality standards.
• Verified borrower details using SAGENT and EDMS applications to maintain data integrity.

Escrow Process

• Created manual IEAD sheets and converted them into spreadsheets for easier data management and analysis.
• Updated and verified IEAD document information using SAGENT and EDMS applications to ensure accuracy and consistency.

AOM Process

• Generated AOM (Assignment of Mortgage) documents using the REKON application, ensuring adherence to required standards.
• Reviewed and validated recording information to ensure compliance with legal and organizational guidelines. document and proceed with AOM drafting in EDMS

Indexing Process

• Verified all required documents against a comprehensive checklist to ensure accuracy and compliance.
• Indexed complete sets of documents received from clients for specific loans, ensuring proper categorization and organization.
• Updated critical data and loan completion registration dates in the BytePro application to maintain accurate records.
• Collaborated with the automation team to streamline and enhance the indexing process through automation, improving efficiency and reducing manual effort.

Loan Setup Process

• Verified borrowers' employment history in accordance with client guidelines to ensure compliance and accuracy.
• Ensured all loan documents were complete, legible, and error-free before processing.
• Coordinated with loan officers to complete the initial 1003 application, ensuring all sections were filled accurately.
• Ordered key documents, including flood certificates, appraisal reports, and tax transcripts, to support loan processing.
• Uploaded critical documents, such as NMLS and MERS records, into the system to maintain data accuracy and accessibility.
• Managed team operations in the absence of the team leader, ensuring smooth workflow and timely report submissions to clients and higher management.
• Trained new team members on loan setup processes, providing guidance and support to enhance team productivity and efficiency.

Pre-Underwriting Process

• Conducted initial financial reviews of borrowers by assessing income, debts, assets, and credit scores to evaluate mortgage eligibility.
• Collected and verified key documents, such as pay stubs, tax returns, and bank statements, ensuring accuracy and completeness.
• Calculated debt-to-income (DTI) ratios to determine borrowers' capacity to manage mortgage payments.
• Performed soft credit checks to assess creditworthiness without impacting borrowers' credit scores.
• Provided preliminary loan estimates outlining potential loan amounts, interest rates, and monthly payments based on borrower profiles.
• Conducted risk assessments to identify financial risks and red flags in borrower profiles.
• Determined eligibility for various loan programs, including FHA, VA, and conventional loans.
• Issued pre-approval letters to qualifying borrowers, enhancing their competitiveness in the home-buying process.
• Offered constructive feedback and guidance for borrowers to improve financial standings and resolve potential issues.
• Facilitated smooth transitions to formal underwriting for borrowers proceeding with the mortgage process.

Document Management Group (DMG)

• Managed and organized documents received from clients, ensuring accurate categorization.
• Verified the completeness and accuracy of all incoming documents.
• Updated essential information into the application, maintaining data accuracy and compliance with internal standards.