Manisha Raju M S
Bengaluru
Summary
Detail-oriented Mortgage Banking Professional with 3.5 years of experience in mortgage operations and settlement processing. Specializes in loan document review, compliance adherence, and risk control while ensuring timely customer fund disbursement. Delivers insights and solutions to complex challenges, backed by strong analytical and communication skills.
Overview
4
4
Languages
4
4
years of professional experience
Work History
Subject matter expert Processing support
Infosys BPM Ltd
Bengaluru
03.2026 - Current
- Serve as the subject matter expert to help team members clear doubts and understand the process.
- Reviewed credit reports to identify early fraud alerts and discrepancies in names, SSNs, and addresses, mitigating potential risks.
- Managed team trackers and delivered daily reports on SLA metrics, production counts, and EOD summaries to ensure transparency.
- Executed internal audits to ensure compliance of loans processed by team members.
- Monitored banking software to detect borrower charge-offs and escalated issues for timely resolution.
- Update borrower details (name, SSN, address, phone) in 4506 tax applications.
- Input borrower info (income, employment, citizenship) into the CDD webpage.
- Order payoffs for refinance loans by checking underwriting conditions for existing active loans.
- Gather contact info for real estate agents, attorneys, builders, and title companies from purchase contracts.
Banking Operations Analyst - Customer settlement
ANZ Support Services India Pvt Ltd.
Bengaluru
11.2022 - 11.2025
- Managed deal closings, drawdowns, rollovers, repayments, and document verification to ensure seamless financial transactions.
- Reviewed mortgage applications and validated documentation prior to loan settlement and disbursement.
- Complete all funding requests within SLA on the same day.
- Ensure compliance with process-related policies, guidelines, and controls.
- Liaise with bank departments, borrowers, and trustees to ensure smooth operations.
- Gained comprehensive understanding of 4c's in underwriting, enhancing accuracy in assessments., Debt to Income ratio calculation LTV calculation.
- Maintain attention to detail to ensure all documents are processed correctly.
- Identified and implemented process improvements, streamlining workflows and increasing operational efficiency.
- Maintaining strong connect with the Internal/External Stakeholders, broker's to work for better banking.experience for customers.
- Conducted weekly catch ups to discuss process updates and ensuring the standard procedure of work is folllowed.Ensuring the standard procedure of work is followed.
- Consistently volunteered for overtime to support the team and meet the deadlines.
- Handling escalations and making sure the settlement is done within the stipulated time.Providing error report of the employees on monthly basis.
- Resolving process related query of staffs.
Education
Masters of commerce - dual Specialized (Taxation and Finance)- 8.4CGPA
Manasa Gangotri Department of Commerce, University of Mysore
Mysore01-2022
Bachelor of Commerce - Specialization in Taxation - 69%
Vidya Vikas First Grade College
Mysore01-2020
Pre-University Course - Specialization in P.C.M.B - 69%
Gopalaswamy PU College
Mysore01-2017
KSSEB - 84.23%
Swamy Dayananda Saraswathi ENG MED High School
Mysore01-2015
Skills
- Loan processing
- Mortgage processing
- Data management
- Risk assessment
- Compliance certification
- Financial software
- Escalation handling
- Process-driven
- Continuous improvement mindset
- Efficiency-minded
- Detail-oriented
- Quality-focused
- Training & mentoring
- Collaboration
- INTEGRITY
- Mortgage
Accomplishments
Highest settlement, 12/30/23, Exceptional contribution towards the completion of the highest number of settlements.
Languages
- English
- Hindi
- Kannada
- Telugu
Personal Information
- Date of Birth: 08/12/1999
- Gender: Female
- Nationality: Indian
- Marital Status: Unmarried
Languages
English
Proficient (C2)
C2
KANNADA
Advanced (C1)
C1
Telugu
Advanced (C1)
C1
Tamil
Beginner
A1
Timeline
Subject matter expert Processing support
Infosys BPM Ltd
03.2026 - Current
Banking Operations Analyst - Customer settlement
ANZ Support Services India Pvt Ltd.
11.2022 - 11.2025
Masters of commerce - dual Specialized (Taxation and Finance)- 8.4CGPA
Manasa Gangotri Department of Commerce, University of Mysore
Bachelor of Commerce - Specialization in Taxation - 69%
Vidya Vikas First Grade College
Pre-University Course - Specialization in P.C.M.B - 69%
Gopalaswamy PU College
KSSEB - 84.23%
Swamy Dayananda Saraswathi ENG MED High School