Poorvika Rao
London,United Kingdom
Summary
Mortgage and banking operations professional with customer-focused service and quality assurance expertise. Strong accounting skills supporting accurate processing and efficient workflows. Proven commitment to high standards of accuracy, compliance, and service quality.
Overview
9
9
years of professional experience
Work history
Closing Analyst
JP Morgan Chase & Co.
, India
2025.05 - 2026.08
- Prepared closing documents per state regulations through thorough review.
- Managed full closing cycle from final approval through funding and disbursement.
- Reviewed credit and non-credit conditions while coordinating with transaction partners.
- Collaborated with mortgage solutions vendors to close and fund transactions successfully.
- Collaborated with mortgage solutions vendors to close and fund transactions efficiently.
- Sourced and disclosed all applicable fees from title and other vendors.
- Managed fee sourcing, escrow details, and final funding disclosures.
- Coordinated sourced disclosure fees with escrow details to facilitate final funding.
- Completed post-closing quality checks and resolved arising issues.
- Resolved complex problems by addressing documentation gaps and communicating clearly.
- Handled escalations to resolve closing issues and address loan-file exceptions.
- Verified compliance with federal, state, and internal mortgage rules for fair lending.
- Resolved escalations by correcting complex closing issues and loan-file exceptions.
- Managed banking relationships and maintained accurate documentation and compliance processes.
- Monitored productivity, quality, turnaround times, and service-level agreements.
Senior Credit Analyst
Commonwealth Bank
, India
2024.08 - 2025.01
- Authorise non-lenders mortgage insurance loans up to 2.5m AUD and 1.5m AUD.
- Process 80+ home loan applications monthly through credit underwriting checks.
- Review financial statements to support credit decision-making and approvals.
- Assess home loan applications against credit policies while maintaining framework compliance.
- Collaborate with brokers, customers, and relationship managers on risk identification.
- Respond promptly to brokers and customers to support strong underwriting outcomes.
- Handle high-profile broker escalations and reduce resolution time by 50%.
- Train and review team work to maintain decision quality.
- Handled broker and customer calls to resolve documentation-related queries.
- Review net monthly surplus calculations on the CHL tool and reconcile accounts.
- Conduct due diligence on PTA accounts to verify debts and repayments.
- Verify wages and income against CRAA reports during pre-approval.
- Review customer eligibility information and sign approvals for loans.
- Review customer information for eligibility and sign loan approvals.
- Manage broker escalations to cut resolution time by 50% and lift satisfaction scores.
Senior Banking Operations Analyst
ANZ Bank
, India
2020.08 - 2024.06
- Verified borrower identification documents, financial statements, assets, liabilities, and securities.
- Reviewed credit reports and financial statements to spot risks and prevent defaults.
- Supported credit underwriters through thorough pre-approval checks and risk screening.
- Checked creditworthiness by reviewing credit reports, documents, and retail lending system records.
- Performed anti-fraud checks covering gambling and salary staging against statements.
- Verified debt statements on retail lending system for potential defaults.
- Applied risk grading and recommended approval, decline, or escalation of proposals.
- Checked credit conditions, collateral details, and legal documentation completeness pre-disbursement.
- Conducted due diligence on borrower industries and transaction structures before decisions.
- Identified high-risk accounts, exceptions, overdue items, and early warning signs.
- Completed due diligence on borrowers and industries to maintain compliance.
- Coordinated with relationship managers, legal teams, underwriters, and operations stakeholders.
- Flagged high-risk accounts and exceptions to drive proactive risk management.
- Tracked loan documentation covenants and monitored portfolio performance activities.
- Completed all work within turnaround times, SLAs, and internal credit policies.
- Maintained data accuracy to reduce operational, compliance, and reputational risk.
- Improved processes through quality checks, reporting, and team training support.
Analyst
Bangalore Software Services (P) LTD
, India
2019.03 - 2020.08
- Streamlined data analysis workflows and automated routine reporting tasks efficiently.
- Organised database information to maintain data integrity across records.
- Audited subsidiaries to reduce risk of fraudulent or misleading financial claims.
- Validated and updated customer information to improve overall database accuracy.
- Analysed customer feedback data and improved service offerings to raise satisfaction.
- Built user-friendly dashboards to simplify reporting and access key performance indicators.
- Developed standard operating procedures documentation to strengthen internal knowledge sharing.
- Entered collected information into database system for ongoing tracking.
- Maintained database systems to track and analyse operational data.
- Maintained utmost accuracy whilst handling sensitive data,.
- Reviewed peers' work to ensure highest quality of output,.
Process Executive
Infosys Ltd.
, India
2017.07 - 2018.08
- Processed healthcare insurance claims for Blue Cross and Blue Shield of Minnesota.
- Managed enrollment data entry, claim resolution auditing, and denial handling.
- Registered claims and completed basic processing for timely resolution.
- Checked claim documents for completeness and accuracy before processing.
- Verified customer details, KYC documents, and eligibility requirements.
- Updated customer and policy data in internal systems accurately.
- Answered customer and agent queries via email and calls promptly.
- Followed compliance, privacy, and regulatory guidelines throughout claim handling.
- Prepared Excel reports and tracked pending cases for closure.
- Performed quality checks and audits on processed claims.
- Handled escalations and exception cases to resolve discrepancies.
- Prepared mis reports for review and follow-up.
Education
Bachelor of Commerce - Accounting And Finance
JSS College For Women
Skills
Mortgage Closing Operations
Credit Decisioning & Review
Mortgage Technology
Credit Operations
Timeline
Closing Analyst
JP Morgan Chase & Co.
2025.05 - 2026.08
Senior Credit Analyst
Commonwealth Bank
2024.08 - 2025.01
Senior Banking Operations Analyst
ANZ Bank
2020.08 - 2024.06
Analyst
Bangalore Software Services (P) LTD
2019.03 - 2020.08
Process Executive
Infosys Ltd.
2017.07 - 2018.08
Bachelor of Commerce - Accounting And Finance
JSS College For Women