Open To Work
RAKESH BITLA
Hyderabad
Summary
Results-driven Senior Analyst with extensive experience at The Citco Group Limited, excelling in loan portfolio operations and compliance. Proven track record in enhancing operational efficiency and accuracy, leveraging strong credit analysis and process improvement skills. Adept at resolving discrepancies and collaborating with stakeholders to achieve seamless loan processing.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Senior Analyst
The Citco Group Limited
11.2023 - 02.2025
- Managed complex loan lifecycle events, including rollovers, paydowns, restructures, and reconciliations, ensuring accurate and timely processing
- Managed end-to-end loan portfolio operations for global clients ensuring accuracy and compliance
- Resolved trade, cash, and position discrepancies through analysis and utilization of financial systems and Bloomberg, enhancing transaction integrity
- Collaborated with internal stakeholders to resolve breaks and improve operational efficiency
- Streamlined onboarding and asset setup processes by utilizing credit agreements and financial data, facilitating smoother transitions for new assets
Pre-Underwriter
Wells Fargo
10.2019 - 11.2023
- Managed end-to-end mortgage lifecycle, ensuring timely origination, thorough document review, and informed underwriting decisions
- Performed live underwriting of US mortgage loans based on investor guidelines and risk policies
- Evaluated borrower eligibility using the 4 C’s: Credit, Capacity, Capital, and Collateral
- Conducted income calculations using W-2s, tax returns, pay stubs, and self-employed income analysis to determine borrower eligibility
- Reviewed credit reports (tri-merge) to assess borrower creditworthiness and identify risk factors
- Calculated and analyzed DTI ratios and financial stability of borrowers
- Identified discrepancies, red flags, and potential fraud indicators in loan files
- Ensured strict compliance with TRID, RESPA, HMDA, and investor guidelines
- Maintained high accuracy while processing high-volume pipelines within SLA timelines
- Improved underwriting accuracy by 20% through enhanced validation techniques
- Increased operational efficiency by 15% through workflow and process improvements
- Collaborated with processors, closers, and QA teams to ensure smooth loan processing
Financial Analyst
Wells Fargo
03.2022 - 08.2022
- Facilitated underwriting decisions through comprehensive financial and credit analysis
- Evaluated borrower income, DTI ratios, and financial strength to inform decision-making
- Provided insights that improved loan approval rates by 15%
- Streamlined income reconciliation across multiple documents to ensure data accuracy
- Enhanced mortgage processing accuracy by 20%
Associate Financial Analyst
Wells Fargo
10.2019 - 03.2022
- Processed over 500 mortgage loan applications across origination and underwriting pipeline
- Verified borrower documents to ensure accuracy and compliance with lending standards
- Ensured adherence to underwriting guidelines and compliance standards
- Conducted initial risk assessments to inform underwriting decisions and support team objectives
- Implemented quality control measures that decreased document errors by 20%
Education
PGDM - Finance
Siva Sivani Institute of Management
Kompally, Hyderabad 05-2019
B.Com -
Osmania University
Moosapet, HyderabadSkills
- Live underwriting
- Mortgage origination and processing
- Income calculation
- Credit analysis
- 4 C's evaluation
- Debt-to-income analysis
- Regulatory compliance
- Fraud detection and risk mitigation
- Loan process management
- Process improvement
- Loan servicing
Certification
- Google Data Analytics
- Corporate Finance: Financial Modeling
- Deloitte Data Analytics Simulation
- Business Tax Foundations
- Root Cause Analysis
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Telugu
Native
Native
Accomplishments
Loan Operations Excellence Award – Citco (2024)
R Cube Champion Award – Wells Fargo (2021)
Improved underwriting accuracy by 20% and operational efficiency by 15%
Enhanced loan approval rates by 15% through financial analysis
Consistently met SLA/TAT targets in high-volume mortgage operations
R Cube Champion Award – Wells Fargo (2021)
Improved underwriting accuracy by 20% and operational efficiency by 15%
Enhanced loan approval rates by 15% through financial analysis
Consistently met SLA/TAT targets in high-volume mortgage operations
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
On-SiteRemoteHybridSalary Range
₹68000/yr - ₹200000/yrTimeline
Senior Analyst
The Citco Group Limited
11.2023 - 02.2025
Financial Analyst
Wells Fargo
03.2022 - 08.2022
Pre-Underwriter
Wells Fargo
10.2019 - 11.2023
Associate Financial Analyst
Wells Fargo
10.2019 - 03.2022
PGDM - Finance
Siva Sivani Institute of Management
B.Com -
Osmania University