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Lalatendu Sundaray

Workflow Specialist – US Mortgage Process | Application Tester

Khordha, Odisha, India

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Skills & Expertise (1)

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Work Experience

Workflow Specialist - Loan Origination (US Mortgage Process)

Tata Consultancy Services Ltd

12-2023 - 11-2024

Review borrower’s loan applications and supporting documents for accuracy and completeness. Verify income, assets, credit reports, and identification documents as per loan requirements. Coordinate with underwriters, processors, and loan officers for smooth loan processing. Perform data entry and validation in the Loan Origination System (LOS). Monitor loan pipeline and update status at each stage of the origination process. Identify discrepancies or missing information and communicate with relevant stakeholders. Maintain accuracy, confidentiality, and timeliness in processing borrower information. Support quality checks to ensure error-free loan files before underwriting.

Systems Engineer

Tata Consultancy Services Ltd

11-2024 - Present

Executed tests across multiple platforms, including web applications and operating systems. Developed comprehensive test cases to ensure software quality. Conducted functional and regression testing after software updates to verify system functionality. Documented test results and communicated findings to stakeholders for informed decision-making. Used JIRA for effective defect tracking during the QA process. Collaborated with off-site teams to ensure timely completion of testing phases. Sharing daily status reporting call with all the coordinator. Sharing daily status report with all stake holders.

Workflow Specialist - Settlement Setup (US Mortgage Process)

Tata Consultancy Services Ltd

09-2022 - 12-2023

Initiated and managed settlement setup activities in compliance with US mortgage regulations and lender guidelines. Reviewed loan files, title documents, and borrower details for accuracy, completeness, and eligibility before closing. Coordinated with title companies, settlement agents, and lenders to ensure timely scheduling of closings. Validated borrower, lender, and property information prior to settlement preparation. Prepared and verified closing packages and disclosures in alignment with TRID requirements. Ensured data accuracy and compliance checks to minimize operational and regulatory risks. Monitored workflow queues and resolved settlement setup discrepancies within strict timelines. Collaborated with cross-functional teams to streamline settlement processes and improve turnaround time.

Workflow Specialist - Closing Disclosure (US Mortgage Process)

Tata Consultancy Services Ltd

06-2016 - 08-2022

Prepare and review Closing Disclosure (CD) in compliance with TRID/TILA-RESPA regulations. Ensure accuracy of loan terms, fees, and closing costs before final disclosure. Validate borrower, lender, and property details against loan file documentation. Coordinate with settlement agents, title companies, and lenders for timely CD delivery. Perform 3-day compliance check to ensure borrower receives CD on time. Reconcile Loan Estimate (LE) vs. Closing Disclosure (CD) to identify variances. Verify tolerance levels and resolve any fee discrepancies with stakeholders. Maintain workflow trackers for CD preparation, delivery, and acknowledgment. Communicate with loan officers and processors to obtain missing documentation. Perform quality checks on prepared CDs to avoid regulatory violations. Escalate exceptions and compliance risks to management for resolution. Support audit readiness by maintaining accurate records and compliance logs.