Kenneth Jade Fernando
Apalit
Summary
US Mortgage Processing Support with hands-on experience supporting residential mortgage files from loan officer intake through closing. Experienced across purchase, rate-and-term refinance, and cash-out refinance transactions, with strong capability in pre-submission file review, borrower documentation analysis, income calculation for W-2, self-employed, and business-owner borrowers, LOS data entry, MISMO 3.4 exports, lender portal submissions, and underwriting condition management (PTD/PTF). Known for submitting clean, compliant, and defensible files that reduce underwriting friction and protect closing timelines. Brings additional experience from highly regulated financial services environments, demonstrating sustained accuracy, documentation discipline, audit-ready processes, and the ability to manage multiple files concurrently. Background in Accounting Information Systems with strong analytical and data presentation skills.
Overview
2026
2026
years of professional experience
Work History
Volunteer Video Editor
The Old Path YouTube Channel
Philippines
- Current
- Volunteer role supporting church media activities.
- Edit videos and graphics for online content distribution.
- Apply consistent visual standards to ensure clarity and professionalism in presentations.
Financial Operations Specialist
Regulated Financial Services Firm
, United Kingdom (Remote)
05.2022 - 01.2026
- Perform end-to-end case handling in a highly regulated financial services environment, applying strict documentation standards and audit-ready processes.
- Collect, review, and validate client financial documentation prior to submission, ensuring accuracy, completeness, and consistency.
- Identify discrepancies, missing information, and risk indicators through detailed financial record review.
- Maintain structured workflows using CRM systems, tracking case progress, outstanding requirements, and deadlines.
- Liaise with external providers and internal stakeholders to resolve issues efficiently and keep cases moving.
- Apply analytical judgement to minimise rework, reduce downstream queries, and protect processing timelines.
- Conduct historic reviews of insurance cases to identify underpaid or unpaid commissions.
- Reconstruct full case timelines and resolve documentation and provider discrepancies.
- Liaise with providers to recover adviser revenue.
- Identified over £12,800 in unpaid and underpaid commissions, including cases dating back to 2015.
U.S. Mortgage Junior Loan Processor Support
RAK Business Processors
, United States of America (Remote)
05.2021 - 06.2022
- Collected, compiled, and organised client documentation for mortgage submissions.
- Conducted AML and credit checks and reviewed bank statements for unusual or high-risk transactions.
- Verified income history and affordability requirements over three-year periods.
- Researched indicative loan-to-value scenarios and lender criteria.
- Ensured mortgage cases were fully compliant and submission-ready prior to underwriting.
- Tracked cases from submission through to completion and monitored lender conditions.
- Worked with lenders including UWM, Chase, and Bank of America.
- Managed pipeline and case progress using Monday.com CRM.
Education
Bachelor of Science - Accounting Information Systems
08.2025
Skills
- US Mortgage Processing Support
- Underwriting Support
- Borrower document intake
- Document review
- Document validation
- Income calculation
- Income analysis
- Asset review
- Bank statement review
- Credit report review
- Risk flag identification
- Loan Origination System (LOS)
- Data entry
- Data validation
- MISMO 34 export
- Lender portal submission
- Underwriting condition management
- Pipeline management
- Loan status tracking
- AML
- KYC
- Compliance checks
- Lender and Underwriter liaison
- CRM management
- Workflow management
- End-to-end case handling
- Compliance-ready file building
- Quality control
- Financial record review
- Discrepancy analysis
- Insurance operations support
- Investment operations support
- Commission auditing
- Reconciliation
- Historic case review
- Timeline reconstruction
- Provider coordination
- Stakeholder coordination
- Data analysis
- Structured reporting
Additional Information
- Strong interest in forensic-style financial analysis and case investigation.
- Experienced in presenting financial data clearly using consistent formatting and visual structure.
- Eligible for further professional certification in fraud examination or forensic accounting.
Websites, Portfolios and Profiles
www.linkedin.com/in/kenneth-jade-fernando-a06249210
Timeline
Financial Operations Specialist - Regulated Financial Services Firm
05.2022 - 01.2026
U.S. Mortgage Junior Loan Processor Support - RAK Business Processors
05.2021 - 06.2022
Volunteer Video Editor - The Old Path YouTube Channel
- Current
ACLC College - Bachelor of Science, Accounting Information Systems