Ranjini Devi Dasarathan

About Ranjini Devi Dasarathan

Energetically wilful and determined person. An English literature graduate. Result-focused, analytical and highly Involved in learning new things. Seeking an opportunity to join a dynamic team in a challenging, competitive environment, leveraging strong communication skills and advancing technical expertise. Eager to drive organizational growth through application of knowledge and experience while pursuing continuous professional development. Committed to contributing to a team that fosters success and innovation.I have expertise in the \"US & Australian Mortgage Process\", including:Initial Workup Review Initial CD Disclosing Loan Servicing Loan Origination Loan Onboarding Modifications Reclamation Death Notification Entry Estate OperationsPre-Settlement Examination Skilled in managing various aspects of mortgage operations.

Experience

1. Underwriting Analyst

   HCLTech

   Jul 2025 — Present · Chennai, IN

   Role: Operations Examiner – Pre-Settlement (AUS Mortgage Process)Process: Pre-Settlement Examination Client: Commonwealth Bank of Australia (Bankwest)Key Responsibilities- Conduct end-to-end examination of mortgage loan applications prior to settlement to ensure completeness, accuracy, and compliance with CBA/Bankwest credit policies- Validate critical borrower and property information, including identity documents, loan contracts, valuation reports, and income verification- Review and verify pre-settlement documents to ensure adherence to lending guidelines, responsible banking practices, and internal risk controls- Identify and flag discrepancies or missing information, and coordinate rework or escalation to relevant teams (Credit, Settlements, Solicitors & Validations)- Ensure data accuracy in internal platforms (e.g, PEXA, CPS, Lendnet & Host) and maintain proper documentation for audit purposes- Deliver high-quality processing within set SLAs and turnaround times, supporting seamless settlement for customers- Collaborate with cross-functional teams to resolve loan-level issues and support smooth loan disbursal.

Education

• University of Madras

  M. A English, Literature

  2019 — 2021

• SDNB Vaishnav College For Women - India

  B. A, English Literature (British and Commonwealth)

  2016 — 2019