Harish V

About Harish V

Immediately looking for job change in Banking sector, Mortgage Operations.I am a Mortgage Servicing Professional with over 8+ years of experience specializing in Default Servicing and Default Accounting. My expertise spans default accounting, claims processing, suspense management, and reconciliation within the US mortgage industry. I have a proven track record in managing corporate advances, claim funds, homeowner assistance programs, and invoice processing, all while ensuring strict compliance with regulatory standards. I am adept at driving process improvements, performing accurate cash reconciliations, and maintaining financial precision to support efficient and compliant mortgage servicing operations.Key SkillsAccounts Payable & Receivable OperationsFinancial Reporting & AnalysisDefault Accounting & Claims ProcessingLoan Servicing & Escrow ManagementAudit Support & DocumentationFannie Mae, Freddie Mac, HUD, VA, and Ginnie Mae GuidelinesSuspense Account Management & ReconciliationHomeowner Assistance Programs (HAF, HAMP)Regulatory Compliance (CFPB, Investor Guidelines)Invoice & Corporate Advance ManagementEmail: h••••••••@gmail.comPreferred work location: BangaloreLocated: Bangalore

Experience

1. Senior Analyst

   Moder

   Sep 2023 — Present · Bengaluru, IN

   Roles and Responsibilities- Manage Special Assets Default Accounting Suspense, ensuring accurate tracking, resolution, and reporting of suspense balances. Process and reconcile Default Accounting Claim Funds, verifying investor claims and applying funds in accordance with Fannie Mae, Freddie Mac, and HUD guidelines. Oversee Corporate Advance Account Reconciliation, ensuring proper allocation, recovery, and documentation of servicing-related expenses. Execute cash request procedures for default accounting transactions, ensuring timely approvals and compliance with internal controls. Conduct Homeowner Assistance Fund (HAF) Reconciliation, validating applications and disbursements to support delinquent borrowers. Handle manual invoice processing, ensuring accurate documentation, coding, and timely payments for default servicing expenses. Collaborate with cross-functional teams to enhance default servicing workflows, improve compliance, and streamline financial operations. Perform monthly and quarterly reconciliations of suspense and advance accounts, ensuring financial accuracy and audit readiness. Support internal and external audits by preparing detailed documentation and responding to audit queries related to default accounting. Monitor and report on aging suspense items, escalating unresolved balances and recommending corrective actions. Participate in process improvement initiatives, contributing to automation, efficiency, and risk mitigation in financial operations.

Education

• University of Mysore

  APOORVA INSTUTE OF MANAGEMENT STUDIES IN BANGLORE, Accounting and Business/Management

  2013 — 2015

• Mother Theresa Degree College, Palamaner

  Bachelor of Commerce - BCom, Accounting and Finance

  2010 — 2013

• ZPH SCHOOL, GUDURU PALLI, PUNGANUR, ANDRA PRADESH

  SSC, Secondary Education and Teaching

  2004 — 2008

• Board of Intermediate Education

  Intermediate(10+2), CEC

  2008 — 2010

• Approva Institute of management studies

  Master of Business Administration - MBA, Business Administration and Management, General