Suparna Banerjee

• Review and process borrower applications in accordance with investor and lender guidelines (Fannie Mae, Freddie Mac, FHA, VA).
• Collect, verify, and analyze borrower documents including income, assets, employment, credit, and property information.
• Order and track third-party services such as appraisal, title, credit report, VOE/VOA, and fraud checks.
• Ensure all documents are complete, accurate, and compliant with federal regulations including TRID, RESPA, TILA, ECOA, and HMDA.
• Identify missing or incomplete documentation and follow up with borrowers and loan officers for timely resolution.
• Prepare fully documented loan files and submit them to underwriting for initial and final approval.
• Review underwriting conditions and coordinate with all parties to satisfy outstanding requirements.
• Maintain clear communication with loan officers, underwriters, title companies, and borrowers to ensure smooth loan progress.
• Track pipeline, monitor deadlines, and ensure loans close within expected timeframes.
• Update loan status in the Loan Origination System (LOS) and maintain accurate digital records.
• Provide exceptional customer service by guiding borrowers through the mortgage process and addressing queries promptly.
• Support closing by verifying final disclosures, checking accuracy of documents, and ensuring compliance prior to funding.

• Review property restoration bids for accuracy, completeness, and compliance with insurance carrier requirements.
• Validate scopes of work, quantities, and line items against industry standards and Xactimate/Symbility pricing.
• Compare bids to inspection reports, photos, moisture readings, and damage documentation to ensure alignment.
• Identify discrepancies, unnecessary charges, or missing items and request revisions from contractors when needed.
• Approve or deny bid submissions based on compliance, budget, and policy guidelines.
• Communicate clearly with contractors, adjusters, and internal teams regarding bid status, revisions, and supporting documents.
• Ensure bids accurately reflect required restoration activities such as water mitigation, fire cleanup, mold remediation, structural drying, demolition, and repairs.
• Maintain detailed documentation of all bid reviews and decisions for audit and compliance purposes.
• Monitor budgets and ensure bids stay within allowable claim limits.
• Support the claims department by providing clarification and expert review of scopes and pricing.
• Assist with building standardised cost templates and improvement of review processes.

Key Responsibilities & Achievements:

• Indexed, organized, and uploaded high volumes of mortgage documents into the Loan Origination System (LOS) with 100% accuracy.
• Reviewed documents (loan applications, disclosures, income/asset verifications, closing packages) to ensure compliance and completeness.
• Identified and flagged missing or incorrect documentation, reducing processing delays.
• Maintained strict confidentiality and adherence to mortgage regulations (FHA, VA, Fannie Mae, Freddie Mac).
• Collaborated with processors and underwriters to support smooth loan approval and closing processes.
• Consistently met tight deadlines while handling large document volumes with strong attention to detail.