Sandhiya V

Oversaw the complete processing of home lending accounts for customers who have passed away, ensuring adherence to regulatory requirements and internal policies. Confirmed dates of death by utilizing death certificates, third-party applications (LexisNexis Accurint, Experian), and online obituary resources. Examined and validated note & deed of trust documents to verify the identity of borrowers for home mortgage loans through the Integrated Customer Management Platform (ICMP). Updated customer account information in the Mortgage Servicing Platform (MSP) according to Standard Operating Procedures (SOPs). Created and sent out customer resolution letters using PEGA, ensuring the accuracy and timeliness of the correspondence.

Evaluating the loan documentation and formulating remarks for the loan processor regarding the loan status.

Verifying assets and income from employment.

Composing and including a cover letter with all required documents and delivering them to the client.

Tasked with collecting the necessary documentation for each application and submitting the loan package within the deadlines established by management.

Processing the file utilizing documents such as 1003, paystub, W2, Purchase agreements, Credit Reports, Disclosures, Asset statements, and more.

Served as a loan reviewer for Confirming, Portfolio, FHA, and VA for both purchase and refinance mortgage loans.

Possessing knowledge of the 4 C’s.

Processing the file with the help of mandatory document – Note, 1003, Closing Discloser, Appraisal Report, Property Insurance

Ensure we need to Inputting all relevant details about the loan into the system.

Verifying the accuracy of the entered data and ensuring compliance with regulatory requirements.

Establishing the necessary infrastructure for the loan to be serviced.