Summary
Overview
Work History
Education
Skills
Languages
Personal Information
Timeline
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AKSHATA GAMRE

Mira road east

Summary

Detail-oriented and accomplished Mortgage Underwriter with nearly 7 years of experience in the UK mortgage industry and Canadian loan processing. Proven ability to analyze complex financial data, assess credit risk, and make accurate, compliant lending decisions. Skilled in both mortgage and installment loan underwriting, with strong communication, training, and team collaboration capabilities.

Overview

7
7
years of professional experience

Work History

Senior Analyst

Epicenter Technologies Pvt. Ltd.
Mumbai
06.2024 - Current
  • Company Overview: (Client: Cash4You Financial Services, Canada).
  • In this role, I was responsible for making decisions and giving approvals for installment loan applications.
  • Verified the documentation and information provided by the customer to ensure it is accurate, pertains to the right person, and prevents fraudulent activities.
  • Determine the risk level of approving a loan, considering factors like the applicant's credit score, income, and existing debt.
  • Applied company guidelines, policies, and risk assessment models to make informed decisions.
  • I worked with collections teams and also took collections calls when it came to repayment issues or defaults on loans.
  • Guided customers through the loan application process, and provided customers with updates on the status of their loan applications. Handled customer complaints, concerns, or issues related to their loans or services.
  • Assessed financial risk using credit reports, income details, and debt ratios.
  • Maintained accurate records of all underwriting decisions and communications.
  • Provided clear guidance and support to applicants throughout the loan process.
  • Trained and supported new team members on systems, procedures, and fraud prevention.
  • Acted as a go-to resource and mentor for junior underwriters.

Senior Analyst

Barclays Global Service Centre
06.2021 - 12.2023
  • Conducted detailed mortgage underwriting for UK-based clients using Barclays' internal systems and in line with UK lending standards.
  • Analyzed financial documents to determine mortgage eligibility, applying detailed underwriting practices in line with UK lending regulations.
  • Evaluated borrowers' financial strength and creditworthiness to assess risk levels and repayment capacity.
  • Reviewed employment records, credit reports, property valuations, and other key data to support accurate and compliant loan decisions.
  • Provided timely updates to clients regarding application status, proactively addressing inquiries, and resolving issues to ensure a high standard of customer service.
  • Enhanced risk assessment accuracy by conducting in-depth reviews of income verification, employment history, and financial documentation.
  • Reduced processing time by streamlining underwriting tasks, and managing application pipelines efficiently.
  • Collaborated closely with brokers, loan officers, and branch teams to clarify applicant information, resolve discrepancies, and accelerate the underwriting process.
  • Performed regular audits and quality assessments to maintain compliance with internal policies and external regulatory standards.
  • Determined risk levels and appropriate policy terms by evaluating full mortgage applications and supporting financial data.
  • Assessed applicant creditworthiness by evaluating financial documents, employment data, and property details.
  • Communicated with brokers and branch teams to clarify and expedite applications.
  • Reduced processing time and improved accuracy through process optimization and meticulous financial reviews.
  • Maintained compliance with audit and regulatory requirements through quality assurance checks and document audits.
  • Provided timely updates and resolutions to clients, enhancing customer satisfaction.

Senior Customer Service Executive

Teleperformance Global Services Pvt. Ltd.
01.2018 - 05.2021
  • Roles and responsibilities are the same as Barclays, as I worked for Barclays Bank as a mortgage underwriter.
  • Supported customer inquiries related to financial services, resolving complaints, and assisting with loan application statuses.
  • Resolved escalated customer service issues in a timely manner.

Education

Bachelor of Commerce - Accounting & Finance

Chetana College of Management And Research
Mumbai, India
04-2017

Skills

  • Risk assessment
  • Fraud prevention and compliance
  • Credit and income analysis
  • Customer service and relations
  • Client communication
  • Problem solving
  • Team mentoring and training
  • Audit and quality assurance
  • Loan underwriting
  • Time management

Languages

  • English
  • Hindi
  • Marathi

Personal Information

  • Date of Birth: 09/19/96
  • Marital Status: Unmarried

Timeline

Senior Analyst

Epicenter Technologies Pvt. Ltd.
06.2024 - Current

Senior Analyst

Barclays Global Service Centre
06.2021 - 12.2023

Senior Customer Service Executive

Teleperformance Global Services Pvt. Ltd.
01.2018 - 05.2021

Bachelor of Commerce - Accounting & Finance

Chetana College of Management And Research

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AKSHATA GAMRE