Raksha A
Loan Processing Specialist
Bangalore
Summary
Detail-oriented and adaptable professional with experience in business operations, loan processing, customer service, and team coordination. Proven ability to manage documentation, handle client queries, and collaborate with cross-functional teams to ensure timely and accurate project delivery. Skilled in communication, problem-solving, and process improvement, with an interest in advancing into project management roles.
Overview
9
9
years of professional experience
3
3
Languages
Work History
Business Management
Colourcraft India Pvt Ltd
11.2024 - 07.2025
- Oversaw daily business operations for printing and signage production, ensuring timely and high-quality delivery to clients
- Managed customer relationships through in-person meetings, calls, and order follow-ups, leading to repeat business and client satisfaction
- Coordinated with design, production, and installation teams to meet project deadlines and maintain quality standards
- Supervised staff schedules, assigned tasks, and monitored performance to ensure operational efficiency
- Handled financial aspects, including quotation preparation, budgeting, and expense tracking
- Resolved client concerns and operational issues promptly, maintaining a professional and solution-oriented approach
Process Executive - General Conveyancing
ANZA BUSINESS SERVICES PVT LTD
01.2022 - 11.2024
- Managed file opening and verification of buyer information for loan processing.
- Operated BOTs to streamline loan-related processes. Handled lender portals, ensuring accurate and up-to-date statements.
- Verified bank details using the Lender Exchange portal.
- Raised queries with onshore teams for document verification.
- Responded to requisition documents from seller solicitors, ensuring accuracy for loan processing.
- Drafted and reviewed legal documents related to property transactions, including purchase agreements, deeds, and leases.
Underwriter
KITE KNOWLEDGE SERVICES PVT LTT
09.2019 - 01.2021
- Responsible for the processing the (Residential Loan) and maintaining the quality of loan. And working on Mortgage pre-fund loan audits for Conventional, FHA and VA loans.
- As an underwriter have good knowledge on underwriting of all the 4 C's Process and underwriter independently and evaluate each loan of borrowers based on his Collateral, Credit, Capacity and Capital (4C's of underwriting).
- Review full package of documents and audit the file abiding by policies and guidelines of the lender and income calculation based of the documents available and conditioning for the missing items if any.
- Review of Credit Report to calculate borrowers total back-end DTI (total expenses including student loan, instalment loan, revolving accounts, and other mortgage accounts + current PITI). Inquiries, Public records dealing Of Bankruptcy and foreclosure if borrower has filed anytime within 7years of borrowing a loan etc.
- Calculation of borrower’s affordable income using income documents and tax returns 1040 from various sources of employment and taking the most conservative approach.
- Calculation of self-employed income from 1120S and 1065.
- Verification and calculations of assets from asset statements. Verification of deposits in Vested accounts, Checking and savings, Money market, Stocks, and bonds etc.
- Prepare final exception report and effectively communicates any areas of concern with a loan file to onshore team.
Process Associate
FLATWORLD GROUP PVT LTD
07.2016 - 10.2019
- Required analysis of property appraisal to ensure subject property meets the client appraisal criteria. – Interior and exterior pictures, contract sale agreement, property size, Neighborhood of the properties for comparing the market values.
- Review full package of documents and audit the file abiding by policies and guidelines of the documents available and conditioning for the missing items if any before releasing the fund.
- Prepare final exception report and effectively communicates any areas of concern with a loan file to onshore team.
- Process: Traditional Post Closing
- Application: EDMS, Encompass, Fusion Checklist and BPM Portal.
Education
B.Com - undefined
Rabindranath Tagore University
Madhya Pradesh01.2020
Diploma - Computer Applications
Nirmala Jyothi Institute
01.2015
PUC - undefined
SBS Pre-University College
Bangalore01.2014
SSLC - undefined
St. Ann’s School
Bangalore01.2012
Skills
Core Skills
Extra-Curricular Activities
Extracurricular Activities
- Represented the institution in athletics competitions and served as a member of the throwball team
- Participated in an adventure camp in Bangalore, developing resilience and teamwork skills
- Contributed to a fashion show event at Nirmala Jyothi Technical Institute, Bangalore
- Actively engaged in team-building programs and took on leadership responsibilities in group activities
Disclaimer
I hereby declare that the information provided above is true, complete, and correct to the best of my knowledge, and I take full responsibility for its accuracy.
Timeline
Business Management
Colourcraft India Pvt Ltd
11.2024 - 07.2025
Process Executive - General Conveyancing
ANZA BUSINESS SERVICES PVT LTD
01.2022 - 11.2024
Underwriter
KITE KNOWLEDGE SERVICES PVT LTT
09.2019 - 01.2021
Process Associate
FLATWORLD GROUP PVT LTD
07.2016 - 10.2019
B.Com - undefined
Rabindranath Tagore University
Diploma - Computer Applications
Nirmala Jyothi Institute
PUC - undefined
SBS Pre-University College
SSLC - undefined
St. Ann’s School
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