Divya Khandelwal Email & Phone Number

Bengaluru, Karnataka, India

Mumbai, Maharashtra, India

• Performed gap analysis to identify opportunities for improvement, process optimization and cost savings.
• Analysing financial data including revenue, costs, profit margins, and investment returns conducting cost-benefit analysis, and identifying areas for cost optimization or revenue enhancement.
• Support development of business plans.
• Develop reports to present performance on key metrics including customer, supplier, product, market, competition, operations, financial analysis.

India

• Contributed to the establishment and optimization of the Doc drawing process and end-to-endClosing process of US Residential mortgages.
• Recommended and implemented process improvements, significantly boosting productivity andoperational effectiveness.
• Played a pivotal role in developing and integrating the Purchase and FHA processes within theIndia team, ensuring seamless operations.
• Analysed and prepared mortgage closing documents meticulously verifying accuracy and incompliance with Federal & State Law.
• Managed and maintained data integrity and compliance with SLA, regulatory requirements andother related guidelines related to Fannie Mae, Ginnie Mae and various investors.
• Stellar role in monitoring the overall functioning of processes, handling client escalations,identifying improvement areas, and implementing adequate measures to maximize customersatisfaction level.

Mahape

• Reviewing various documents and preparing a Final Closing Package and Audit packages as per state and agency guidelines.
• Proficient in FHA, VA, Conventional, HUD and TRID guidelines with process in- depth understanding of the Mortgage Closing.
• Coordinating with all 3rd Parties to complete loan submissions and set up closing dates.
• Analysing the tax and insurance-related payments for the borrower and setting up an escrow accrual and verifying the borrower account for default balances.
• Making SOP’s and providing training to team members/ new trainees.

Mumbai

• Assisting senior staff with the preparation of Financial Statement.
• Generating invoices and verifying billing input and output.
• Managing Vendor accounts, petty cash and generating demand cheques.
• Performing Bank Reconciliation.

Master Of Commerce, Accounting

Bachelor Of Commerce (B.Com.), Accounting

Hsc, Commerce

Ssc