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Pradeep Kumar

@pradeepkumar26

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Senior mortgage underwriting and quality control specialist ensuring compliant loan operations.

India

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What I'm looking for

I seek a role in a high-performing financial services team where I can ensure compliant, efficient loan operations, reduce defects, and improve turnaround times.

I am a results-driven mortgage underwriting and quality control specialist with 8+ years in residential mortgage operations, government loan underwriting support, and post-closing quality reviews. I have proven expertise auditing loan files for compliance with FHA, VA, USDA, TRID, and CFPB standards and improving loan quality through root cause analysis and data validation.

I excel validating borrower income, assets, credit, and collateral documentation, performing AUS submissions (DU/LP), and collaborating with underwriting, closing, and compliance teams to resolve exceptions and meet SLAs. I have maintained 99% loan file accuracy while supporting high-volume operations and contributed to process improvements that reduced documentation defects.

Experience

Work history, roles, and key accomplishments

Current

Senior Team Member

Current

Coforge BPS Private Limited

Oct 2024 - Present (1 year 5 months)

Perform loan file quality control reviews to ensure underwriting documentation meets investor and regulatory requirements, conducting root cause analysis and recommending corrective actions to improve loan quality.

Senior Mortgage Analyst

Consolidated Analytics Private Limited

Feb 2022 - Sep 2024 (2 years 7 months)

Conducted comprehensive credit underwriting and income analysis for government and investor loans, validated DTI/LTV, managed AUS submissions, and ensured compliance for FHA, VA, and USDA loans to improve turnaround and audit readiness.

Senior Customer Support Officer

Allsec Technologies Private Limited

Aug 2017 - Feb 2022 (4 years 6 months)

Processed lien releases, prepared assignment verification reports, and analyzed ownership & encumbrance reports to resolve title issues and maintain data accuracy in mortgage servicing operations.

Education

Degrees, certifications, and relevant coursework

St. Thomas College of Arts and Science

Bachelor of Computer Applications, Computer Applications

2014 - 2017

Completed a Bachelor of Computer Applications program focusing on foundational computing topics and practical applications from July 2014 to April 2017.