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Revathy Mahalingam

@revathymahalingam

Senior mortgage analyst at Accenture who underwrote Conventional, FHA, and VA loans and supported final credit decisions.

Mexico

Message

At Accenture, I underwrote U.S. residential mortgage loans across Conventional, FHA, and VA programs, applying agency guidelines, investor overlays, and federal regulations.

I reviewed borrower income and credit, calculated qualifying income and DTI, and assessed appraisals and potential fraud indicators. I also worked with onshore underwriting teams and Freedom Mortgage clients on loan conditions, documentation requests, and final credit decisions.

Earlier at Accenture, I managed Order-to-Cash operations in SAP, including order processing, delivery coordination, and invoicing. At Tata Consultancy Services (TCS), I handled accounts payable and receivable, reconciliations, and General Ledger entries.

Experience

Work history, roles, and key accomplishments

Senior Analyst – U.S. Residential Mortgage Underwriting

Accenture

Jan 2018 - Dec 2023 (5 years 11 months)

Underwrote Conventional, FHA, and VA residential mortgage loans in compliance with agency guidelines and federal regulations. Verified borrower income, analyzed credit reports, and managed loan allocation queues to meet SLA and quality benchmarks.

Mortgage Underwriting Conventional Loans FHA RESPA TILA HMDA Income Analysis DTI Calculation Credit Analysis Risk Assessment AUS Systems (DU LPA)Fraud Detection SLA Management Mentorship

Order Management Analyst

Accenture

Jan 2016 - Dec 2018 (2 years 11 months)

Managed end-to-end Order-to-Cash (O2C) process in SAP, including order creation, validation, and processing. Coordinated with logistics and warehouse teams to ensure timely delivery and resolved order blocks and billing disputes.

SAP Order To Cash Order Management Invoicing Billing Logistics Coordination Customer Service SLA Management

Accounting Analyst – Finance & Accounts

Tata Consultancy Services

Jan 2012 - Dec 2015 (3 years 11 months)

Managed end-to-end Accounts Payable and Accounts Receivable operations, including invoice verification, vendor payments, collections monitoring, and bank reconciliations. Supported audits and maintained the General Ledger with accurate journal entries.