pagadarai kusuma

Results-driven Mortgage Underwriting and Loan Processing Professional with over 6 years of experience in US Residential Mortgage Operations, Non-QM Underwriting, Loan Origination, Closing Disclosure (CD), and Loan Estimate (LE) analysis. Strong expertise in income calculation, credit analysis, asset verification, appraisal review, title review, compliance validation, and mortgage underwriting guidelines. Proven ability to analyze complex loan files, clear underwriting conditions, ensure regulatory compliance, and support high-volume mortgage operations while maintaining quality and accuracy.