Rithin Kottanda

Credit and Mortgage Banking professional with nearly 5 years of experience in Australian mortgage operations, income verification, financial assessment, loan documentation, and credit support functions. Experienced in analyzing customer financials, assessing serviceability, reviewing supporting documents, and ensuring compliance with lending policies and turnaround timelines. Strong understanding of Australian mortgage processes, banking regulations, and customer risk assessment.

Senior Analyst - Bankwest - HCL Tech Bangalore - Bangalore, India

(2024-10 - 2026-03)

• Expertise in home loan lending up to 2 Million AUD, construction, foreign income & SIM-SET loans.
• Evaluated client credit data, financial statements & determined creditworthiness.
• Conducted complex credit analysis, identified business drivers & mitigated risks.
• Performed income calculation and verification for loan and credit applications ensuring compliance with banking/financial guidelines.
• Ensured compliance with credit policy & banking codes of practice.
• Analyzed contracts, valuation reports, property insurance & financial documentation.
• Maintained End of Day reports and verified customer accounts/documents.

Operations & Transaction Processor - Westpac - Concentrix - Bangalore, India

(2021-04 - 2024-10)

• Processed Australian mortgage operations including Progressive Drawdown & Examination.
• Managed semi-voice/chat processes, cash management
• Drafted client emails & resolved escalated issues effectively.
• Audited mortgage loans ensuring compliance & reporting accuracy.
• Provided training & mentoring to newly joined staff members.
• Built client relationships, identified market opportunities & value propositions.
• Performed detailed assessment of customer financial documents including payslips, bank statements, tax returns, and liabilities.
• Conducted income calculations for PAYG, casual, contractor, and self-employed applicants as per Australian lending policies.
• Reviewed Financial Fact Find (FFC) data to evaluate customer borrowing capacity and serviceability.
• Assisted in identifying credit risks, undisclosed liabilities, and inconsistencies in supporting documents.
• Validated living expenses, existing commitments, and repayment capacity before loan progression.
• Worked closely with brokers, assessors, and internal teams to ensure accurate and compliant credit submissions

Bachelor of Commerce - B.Com - GITAM University (2017 - 2021)

Pre-University - PUC - Bapu Composite PU College (2015 - 2017)

SSLC - S.B.M English High School (2014 - 2015)