Satyanarayan Rao

Buffalo, NY 716-***-**** ad29yb@r.postjobfree.com

Professional Summary

Financial Analyst and Business Analyst with over 23 years of experience in mortgage banking, financial services, auditing, credit analysis, and product management also skilled in financial analysis, metrics analysis, consumer and commercial loans, accounting and auditing, capital market, database management, treasury analysis, digital transformation, and fixed income accounting

EDUCATION

University at Buffalo, SUNY, Bachelor of Science in Accounting and Finance Aug 1994 – Feb 1997

Erie County Community College, Associate of Applied Science in Business Administration-Accounting Sep 1991 – Aug 1994

AREAS OF EXPERTISE

Financial Analysis

Metrics Analysis

Consumer and Commercial Loans

QA / QC

Accounting and Auditing

Credit Analysis, Credit Market

Fraud Analysis

Risk Analysis

Database Management

Treasury Analysis

Wealth and Investment Management Capital Market, Credit Analysis

Digital Transformation

Compliance

SKILLS

VB

SQL, Oracle

PeopleSoft

MS Project

MS Access

Excel

Macro with VBA

JIRA

Black Knight MSP

Agile/Scrum Methodologies

SDLC

Hyperion and HFM

Workday

QB

EXPERIENCE

Restoration Society, INC (Non-profit Organization): Buffalo, NY Jun 2023 – Dec2023

Senior Accountant-Financial Analyst/Audit/CFO

Prepared monthly financial statements, reports, as well as records through collecting, analyzing, and summarizing account information

Held responsibility for monthly journal entries, general ledger account reconciliation, program reports, periodic program vouchers & balance sheet reconciliation

Maintained bank accounts by requesting disbarments

Reviewed/reconciled bank statements

Researched and reconciled all discrepancies

Audited and verified documents

Handled financial and profitability analysis based on requests

Worked closely with contracts, purchasing, human resources and operations to ensure accuracy and coordination of pricing data

Key Bank: Amherst, NY May 2021 – Apr 2023

Financial Analyst/Business Analyst/Credit Analyst/Loan Auditor

Assisted with financial and management reports, analysis, metrics by means of monitoring and forecasting

Engaged with members of Treasury, ALM, Independent Market Risk and Finance to explain drivers of variances in interest rate risk measures weekly and monthly.

Reviewed all information and documentation ensuring compliance with regulations

Experienced in reconciling bank statements, balance sheets, and outstanding encumbrances at the end of the fiscal year

Implemented automatization and maintenance of reports and dashboards

Gained ample knowledge in margin lending with LO, LP, and calculated LTV

Performed financial forecasting,

Assisted with annual business plan and rolling plan,

Helped with a variety of analysis of actual versus forecast

Reconciliated internal accounts to assess strategic decision alternatives

Worked with residential mortgage loans on the correspondent mandatory trading desk

Experienced in production and distribution of daily rate sheets for all origination channels

Prepared reports (data mining, build reports, report formatting and analysis) and dashboards to support various departments

Managed and lead the implementation of data governance using Microsoft project, Visio, PowerPoint, SharePoint tools, and other training programs

Created and maintained relationships with correspondent sellers, hedge advisors, and external pricing engines

Worked with clients and sales teams to obtain necessary documentation for account opening

Researched and validated entity data using appropriate internal and external data sources

Prepared timely, compliant, and accurate pricing models

Wells Fargo: Buffalo, NY Jan 2021 – Apr 2021

Financial Analyst/Business Analyst/Credit Analyst

Determined process recommendation documents including presentations, process maps, supporting metrics, business requirements and related impact.

Gained knowledge in risk and change management, issue tracking, as well as requirements in gathering system to maximize the efficiency of LSRR business systems.

Experienced in performing general ledger operations, correcting action plans, reviewing internal controls, preparing recommendations, and reconciliations

Validated market data inputs, reports, and analysis

Obtained knowledge in audit financial information

Established project timelines and monitored the clients’ implementation schedule to ensure that the project meets targeted completions dates

Created financial forecasts and analyzed risk

Conducted monthly expense analysis

Assisted in monthly close procedures to achieve a timely and efficient process

Created monthly, quarterly, and annual financial statements

Investigated and analyzed credit risks using credit agency tools and information.

Handled residential mortgage loans on the correspondent mandatory trading desk

Worked with clients and sales teams to obtain necessary documentation for account opening

Supported and monitored the timely and accurate execution of sales as well as client requests to the group

Populated account opening, market opening, and tax documentation.

Ensured all documents are collected, verified stored, and provided status back to the client

Reviewed and investigated potential sanctions and money laundering hits from screening applications

Developed competitive analysis by researching available government databases and compiling the data into a database used for intel-based pricing

Citizens Bank: Buffalo, NY Oct 2020 – Dec 2021

Financial Analyst/Data Analyst

Gained experience in product control operation with fixed income products

Obtained knowledge in fixed income accounting and financing knowledge

Analyzed financial data & provided forecasting support

Prepared reports and projection based on financial data

Evaluated current & previous financial data

Prepared data and analyses for reporting and audits

Conducted margin lending with LO, LP, and calculated LTV

Reconciled balance sheet accounts and investigated discrepancies

Assisted in the preparation of monthly, quarterly, and annual financial reports

Prepared and recorded journal entries to ensure accurate financial statements

Conducted residential mortgage loans on the correspondent mandatory trading desk

Experienced in production and distribution daily rate sheets for all origination channels

Worked with clients and sales teams to obtain necessary documentation for account opening

Researched and validated entity data using appropriate internal and external data sources.

Supported and monitored the time as well as accuracy of sales execution and client requests to the group

Gained knowledge in mortgage-backed securities, CMOs, TBAs, and asset servicing

Citi Group: Getzville, NY Sep 2019 – Jul 2020

Financial Analyst/Business Analyst/ Risk & Treasury Management Reporter/Auditor

Prepared monthly and weekly GAP presentations for ALCO and senior management

Maintained regular variance reports for GAP IRE and EVS as well as identified and escalated potential issues

Engaged with members of Treasury, ALM, Independent Market Risk and Finance to explain drivers of variances in interest rate risk measures weekly and monthly

Reviewed and provided executive summary for monthly presentations on consolidated accrual interest rate risk metrics for Citigroup ALCO, Citibank, N.A. ALCO, and Board of Directors meetings

Processed recommendation documents including presentations, process maps, supporting metrics, business requirements and related impacts

Presented and reported on balance sheet, income statement, and regulatory capital forecasts.

Implemented policies as well as procedures for investigating and evaluating new and existing customer credit worthiness and extended or revoked credit lines/limits

Recommended and implemented credit extensions/revocations

Developed and maintained relationships with outside credit agencies

Prepared and recorded journal entries to ensure accurate and timely financial statements

Reconciled balance sheet accounts and investigated discrepancies

Assisted in the preparation of monthly, quarterly, and annual financial reports

Prepared reports (data mining, build reports, report formatting and analysis) and dashboards to support various departments

Produced and distributed daily rate sheets for all origination channels

Developed and updated quarterly reporting for CRM Business Risk Office

Provided ongoing support and guidance to CRM business partners regarding all issues and associated action plans

Ensured the timely collection of margin payments and receipts by escalating late payments and issues with cash-flow as per procedures

Assisted in timely collecting and submitting relevant and required management information for the Collateral Operations area

Researched and validated entity data using appropriate internal and external data sources.

Performed client documentation searches across internal and external sites as well as compiled client profiles

M&T Bank: Getzville, NY Jul 2013 – Aug 2019

Document and Control Specialist II-Financial Analyst/Business Analyst/Data Analyst

Prepared modification packages for FHA, VA AND USDA and managed portfolio of default loans

Managed quality control complex accounts specializing in Loss Mitigation Closing

Tracked updates of business/market trends that may affect business department

Ensured alignment of financial center resources to best serve clients and core financial needs

Prepared modification packages for FHA, VA, and USDA loans,

Managed a portfolio of default loans and performed quality control on complex accounts specializing in Loss Mitigation Closing

Reconciled balance sheet accounts and investigated discrepancies

Produced and distributed daily rate sheets for all origination channels

Handled residential mortgage loans on the correspondent mandatory trading desk

Worked with clients and sales teams to obtain necessary documentation for account opening

Partnered with Accounts Control team to ensure KYC/AML/MiFID and guaranteed other regulatory reviews on every client was performed

Provided guidance in the role of subject matter expert in the areas of account opening and local market documentation to both Citi staff and external clients

Gained knowledge in product management, strategy & product development

Identified data anomalies as to AML initiatives, AML/BSA regulations and industry best practices

Monitored transactions of assigned accounts to assess suspicious activity such as money laundering

Managed and approved customer Due Diligence Profiles for Corporate Banking

Conducted analysis of credit risk of prospective and existing Commercial Loan customers

Prepared loan approvals and review/renewals that effectively communicate risk analysis

Analyzed borrower financial information to determine the best possible solution.

Analyzed financial related matters and conducted research in the financial and cost saving performance area

Obtained knowledge in Margin Lending with LO, LP, and calculated LTV

Investigated and analyzed credit risks using credit agency tools

Analyzed credit risk for prospective and existing Commercial Loan customers,

Prepared loan approvals and renewals that effectively communicated risk analysis

Conducted financial research to identify cost-saving performance measures in margin lending while investigating and analyzing credit risks using available tools

Bank of America: Getzville, NY Oct 2009 – Jun 2013

Financial Analyst/Credit Analyst/Business Analyst/Data Analyst/Auditor

Managed account portfolio to ensure documentation and account decisions comply with banking policies, investor guidelines, and applicable regulations

Assessed income/expenses, property value and variances between properties and buyer offers

Served as liaison to investors such as Fannie Mae, Freddie Mac and gained approval for settlements

Prepared loan approvals and reviewed renewals for consumer and commercial loan that effectively communicate risk analysis

Performed the monthly profit and loss closing process

Participated in annual budget process and cost saving activities in corporation with each unit part head

Gained knowledge in margin lending with LO, LP, calculated LTV, and underwriter

Implemented policies as well as procedures for investigating and evaluating new and existing customer credit-worthiness and extended or revoked credit lines/limits

Coordinated with internal departments to resolve billing disputes that may affect the ability to collect receivables

Reviewed and made recommendations regarding bad debt or write-offs

Developed and maintained relationships with outside credit agencies

Recommended and implemented credit extensions/revocations

Handled complex decisions based on analytical research and judgment

Prepared and recorded journal entries to ensure accurate and timely financial statements

Reconciled balance sheet accounts and investigate discrepancies

Assisted in the preparation of monthly, quarterly, and annual financial reports

Analyzed financial data and provided insights to management

Worked with clients and sales teams to obtain necessary documentation for account opening

Researched and validated entity data using appropriate internal and external data sources.

Interacted with client regarding the latest status and current onboarding actions

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