Poorvika K Rao
Team Lead
Bengaluru
Summary
Results-driven Senior Banking Operations Analyst & Team Lead with 7 years of experience at JPMorgan Chase in mortgage and banking operations. Proven expertise in regulatory compliance, closing documentation, vendor coordination, and risk mitigation.
Strong track record of achieving 100% productivity and quality metrics, resolving complex transaction issues, and ensuring adherence to fair lending practices. Adept at stakeholder management, process optimization, and cross-functional collaboration to ensure seamless loan closing and funding operations.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Team Lead
JPMorgan Chase & Co
05.2025 - Current
- Sourcing and disclosing all applicable fees from the title company and other vendors to the client within the regulatory timeframe.
- Preparing closing documents in accordance with state regulations, ensuring a thorough understanding of their execution at the closing table.
- Reviewing and ensuring all credit and non-credit conditions are met, working directly with various partners to close transactions.
- Collaborating with mortgage solutions, vendors, to successfully close and fund the transactions.
- Resolving complex problems by identifying solutions, addressing documentation deficiencies, and communicating findings clearly, adhering to fair lending practices.
Senior Associate Credit Analyst
Commonwealth Bank of Australia, CBA
08.2024 - 01.2025
- Analyzing and assessing home loan applications against credit policies, ensuring compliance with financial frameworks.
- Evaluating debt-to-income (DTI) and loan-to-value ratios (LVRs) to determine borrower creditworthiness.
- Responsible for authorizing loans up to AUD 2.5M (non-Lenders Mortgage Insurance) and AUD 1.5M (non-Lenders Mortgage Insurance), and handling 80+ applications monthly.
- Ensuring compliance with lending regulations and policies.
- Training and reviewing the team's work.
- Partner with brokers, customers, relationship managers, and other internal clients through financial/credit analysis and identification of risk factors. Add value to the ultimate client relationship by providing a timely response and quality underwriting in coordination with client needs.
- Participate in calls with brokers and customers to resolve documentation-related queries.
- Support the order review on the credit hold and credit release determination process.
- Communicate with brokers regarding account adjustments and the investigation of customer concerns.
- Reviewing net monthly surplus calculations on the Commsee Customer Home Loan (CHL) tool, and collaborating with brokers on the reconciliation of customer accounts.
- Conduct due diligence on customer Personal Transaction Accounts (PTA) for various factors, such as unknown and miscellaneous debts, verify the repayment amount of current or ongoing debts against Credit Report Authority of Australia (CRAA) reports, wages or income declared by the customer, and outstanding payments during the pre-approval process.
- Conduct securities/mortgage-related checks, such as the Contract of Sale (COS), Title Search, and Valuation.
- Performing calculations of net monthly income, deductions, superannuation from the customer's payslip, and also verifying other key parameters such as the customer's name, organization's name, Australian Business Number (ABN), frequency, dates, etc.
- Responsible for performing credit decision-making through the review of financial statements.
- Conduct due diligence, customer information, for loan eligibility, and sign off for approval.
- Managing high-profile broker escalations and responsible for the reduction of resolution time by 50%, resulting in an improvement of satisfaction scores.
Senior Banking Operations Analyst
Australia New Zealand Bank
07.2020 - 06.2024
- Responsible for performing pre-assessment checks for home loans, such as the borrower's identification documents, financial statements, assets and liabilities, and securities.
- Reviewing credit reports and financial statements to identify potential risks, to prevent loan defaults.
- Collaborate with brokers to identify gaps in documentation, and reduce overall loan processing time.
- Support credit underwriters in the pre-approval process with various checks.
- Responsible for the verification of debt statements for defaults on the retail lending system.
- Evaluate the customer's creditworthiness by reviewing credit reports, documents, etc., in the retail lending system.
- Responsible for performing checks for fraudulent activities, such as gambling and salary staging, against financial statements.
- Train and review the team's work.
Process Executive
Infosys BPM
04.2019 - 04.2020
- Responsible for handling healthcare insurance claims for Blue Cross and Blue Shield of Minnesota, United States.
- Managing various processes, like enrollment, data entry, claims resolution, auditing, and denial handling.
- Participate in client calls for weekly and monthly reviews of the process.
Skills
Banking & Mortgage Operations
Regulatory Compliance & Fair Lending
Closing Documentation & Loan Processing
Credit & Non-Credit Condition Review
Vendor & Stakeholder Management
Risk Assessment & Quality Control
Process Improvement
Team Leadership & Cross Training
SLA & Productivity Management
Advanced Microsoft Excel
Accomplishments
- 2 Awarded "Spot Extra Miler" for consistent high performance.
- Achieved 100% Productivity and Quality metrics for 3 consecutive months.
- Recognized by management for operational excellence and adherence to compliance standards.
- Successfully cross-trained across platforms (STAR, Blue Core, BuPlus), improving team capability and reducing dependency risks.
Certification
• Tally Prime Certification
Education
Bachelor of Commerce 2014 -2017
JSS College for women, Mysore University
Timeline
Team Lead
JPMorgan Chase & Co
05.2025 - Current
Senior Associate Credit Analyst
Commonwealth Bank of Australia, CBA
08.2024 - 01.2025
Senior Banking Operations Analyst
Australia New Zealand Bank
07.2020 - 06.2024
Process Executive
Infosys BPM
04.2019 - 04.2020