Nadeen Mummareddy
Kennett Square,PA
Summary
Mortgage Operations Professional with four years of direct lending experience in loan processing, closing coordination, and sales, plus six years of real estate and title expertise. Strong end-to-end understanding of the real estate transaction lifecycle, with hands-on experience in Encompass, automated underwriting systems, and regulatory compliance. Proven success in high-volume environments during the historic low-rate market. Highly adaptable to new technologies, with technical skills in SQL, Agile, AI-driven product concepts, and advanced Excel to improve workflows and operational efficiency. Partner in a short-term rental business with experience in acquisition, renovation, financing, and cash flow analysis, bringing practical investment insight to loan processing.
Overview
9
9
years of professional experience
Work History
Short Term Rental Manager & Partner
Self-Employed
Mount Poconos, PA
01.2023 - Current
- Acquired, renovated, and launched profitable short-term rental property, managing entire transaction lifecycle from property search and due diligence through closing and post-acquisition operations
- Managed $90K+ renovation project including contractor coordination, budget tracking, and timeline management
- Achieved 5-star guest ratings and high occupancy through optimized marketing, professional photography, and competitive pricing strategy using data analytics and market research
- Perform ongoing financial analysis including P&L statements, expense tracking, ROI calculations, and cash flow projections
Mortgage Banker Assistant / Junior Banker
The Federal Savings Bank
New York, NY
01.2022 - 01.2023
- Processed 15-20 residential mortgage applications monthly from intake through underwriting submission, maintaining compliance with Fannie Mae, Freddie Mac, FHA, and VA guidelines
- Reviewed automated underwriting findings from DU and LP; analyzed credit reports and documented compensating factors for derogatory credit to support underwriting recommendations
- Verified borrower income and employment using paystubs, W-2s, tax returns, and third-party services; calculated qualifying income for salaried, self-employed, commission, and bonus income per agency guidelines
- Reviewed asset documentation including bank statements, investment accounts, and retirement accounts; sourced large deposits and verified adequate reserves
- Prepared accurate Loan Estimates and Closing Disclosures in compliance with TRID regulations; managed zero-tolerance, 10% cumulative, and unlimited tolerance fee categories
- Cleared underwriting conditions by coordinating with borrowers, employers, HOAs, insurance agents, title companies, and vendors; maintained detailed condition logs to meet closing deadlines
- Achieved and maintained loan quality scores above 95% through meticulous documentation review and proactive issue resolution
Closing Analyst
The Federal Savings Bank
New York, NY
01.2020 - 01.2022
- Coordinated closing process for 20-30 monthly transactions by liaising with settlement agents, title companies, attorneys, and borrowers to ensure timely closings
- Applied title industry knowledge to review final title commitments and title insurance policies; prepared final Closing Disclosures in compliance with TRID three-day waiting period
- Set up escrow accounts with accurate calculations of property taxes, homeowners insurance, flood insurance, and HOA dues
- Conducted comprehensive pre-closing quality control reviews to verify all conditions satisfied, title clear, loan documents accurate, and files met investor delivery requirements
- Performed employment and income reverification prior to closing to confirm continued borrower eligibility and prevent loan defects
- Collaborated with post-closing department to resolve title curative issues, record mortgages, and ensure clean loan delivery within SLA timelines
Junior Mortgage Analyst
The Federal Savings Bank
New York, NY
06.2019 - 01.2020
- Supported loan processing operations by ordering third-party verifications including VOE, VOM, appraisals, IRS tax transcripts, title reports, flood certifications, and credit supplements
- Reviewed preliminary title reports for completeness and flagged potential title issues such as open liens, judgments, and gaps in chain of title to prevent closing delays
- Monitored active loan pipeline daily and prioritized tasks based on loan milestones, closing dates, and SLAs to prevent processing delays
- Processed FHA case number assignments through FHA Connection and VA case numbers through WebLGY portal; ensured compliance with agency-specific requirements
- Executed fraud detection protocols using Factual Data, LexisNexis, and CoreLogic reports; escalated high-risk findings to senior processors
- Collected processing fees, underwriting fees, and appraisal fees; reconciled payment transactions and updated loan origination system records
Title Researcher
City Standard Title Search
Millburn, NJ
11.2016 - 06.2019
- Managed high-volume title search operations for residential and commercial real estate transactions throughout New Jersey
- Conducted comprehensive title searches at county offices; examined property deeds, mortgages, liens, judgments, tax records, and chain of title to identify ownership history and potential defects
- Reviewed title abstracts for accuracy; identified title issues including unreleased mortgages, mechanic's liens, tax liens, judgment liens, easements, and gaps in chain of title
- Resolved title discrepancies by researching property records and obtaining necessary documentation such as satisfactions, releases, and corrective deeds
- Maintained 98% client satisfaction rate through responsive service and attention to detail
- Used advanced Excel spreadsheets for tracking title orders, calculating fees, analyzing production metrics, and generating financial reports
- Participated in company rebranding initiative including logo design, website development, and digital marketing strategy
Education
Professional Certificate - Product Management
Cornell University
05.2026
Bachelor of Science - Management and Leadership
Rutgers University
Newark, NJ05.2019
Skills
Mortgage Operations
Loan Processing Underwriting Support Closing Coordination Pipeline Management Quality Control Conditions Management Documentation Review
Verification & Analysis
Credit Analysis Income/Employment Verification Asset Verification Appraisal Review Title Review Tax Return Analysis Property Records Research
Loan Products & Compliance
Conventional FHA VA USDA Jumbo Loans TRID RESPA ECOA TILA HMDA Fannie Mae/Freddie Mac Guidelines FHA Handbook
Technology & Systems
Encompass LOS Optimal Blue DU/LPA Microsoft Excel (VLOOKUP, Pivot Tables) SQL QuickBooks The Work Number Equifax CoreLogic Adobe Acrobat Pro
Certifications Affiliations
Professional Scrum Master I, Data for Business Analysts Using Excel, SQL for Data Science (In Progress), AI Product Manager (In Progress), Women Empowerment Group- Chester County PA, Phi Theta Kappa Honor Society, Tau Sigma Academic Honor Society, Beta Gamma Sigma International Business Honor Society
Timeline
Short Term Rental Manager & Partner
Self-Employed
01.2023 - Current
Mortgage Banker Assistant / Junior Banker
The Federal Savings Bank
01.2022 - 01.2023
Closing Analyst
The Federal Savings Bank
01.2020 - 01.2022
Junior Mortgage Analyst
The Federal Savings Bank
06.2019 - 01.2020
Title Researcher
City Standard Title Search
11.2016 - 06.2019
Professional Certificate - Product Management
Cornell University
Bachelor of Science - Management and Leadership
Rutgers University