Surya Lakshmi U

Roles and Responsibilities:

• Managed the end-to-end processing of home lending accounts for deceased customers, ensuring compliance with regulatory guidelines and internal policies
• Received and processed verbal and written notifications regarding deceased customers from authorized and unauthorized parties, maintaining strict privacy compliance
• Verified dates of death using death certificates, third-party applications (LexisNexis Accurint, Experian), and online obituary records
• Reviewed and authenticated security instruments and note documents to confirm borrower identity for home mortgage loans through ICMP (Integrated Customer Management Platform)
• Updated customer account details in MSP (Mortgage Servicing Platform) per Standard Operating Procedures (SOPs)
• Generated and dispatched customer resolution letters via PEGA, ensuring accurate and timely communication

Roles and Responsibilities:

• Analyzed borrower creditworthiness in accordance with lender guidelines
• Credit Review: Assessed credit documents, including credit reports, credit supplements, and mortgage statements
• Income Evaluation: Verified pay stubs, tax returns, VOE (Verification of Employment), pension income, and award letters
• Adjusted LTV (Loan-to-Value) and DTI (Debt-to-Income) ratios based on borrower repayment capacity, existing liens, and reported judgments
• Asset Verification: Reviewed bank statements, 401(k)/IRA statements, checks, and gift letters
• Collateral Review: Evaluated appraisal documents for borrower details, comparables, proximity, and forms 1004 and 1073
• Examined purchase contracts, amendments, sales agreements, and builder warranties for new construction properties
• Conducted title reviews, verifying vesting, lien positions, property taxes, chain of title, and exception clauses

Roles and Responsibilities:

• Ensured compliance with the Home Mortgage Disclosure Act (HMDA) by reviewing loan data for accuracy and completeness
• Verified that financial institutions met housing service obligations as per regulatory guidelines
• Reviewed funded, withdrawn, and denied loan applications for HMDA reportability
• Validated HMDA data for Home Equity Loans and Home Equity Lines of Credit (HELOCs)
• Coordinated with underwriters, compliance teams, and auditors to ensure precise HMDA reporting