Summary
Overview
Work History
Education
Skills
Timeline
BusinessAnalyst
Simarjit Uppal

Simarjit Uppal

Analyst
Bangalore

Summary

Hardworking Analyst with over 2 years of experience in Industry. Excellent reputation for resolving problems while maintaining accuracy. Hands-on training in risk management, data analysis and underwriting processes and procedures, with a newly developed interest & skill in Data Analytics. Highly organized to handle large workloads.

Overview

4
4
years of professional experience
7
7
years of post-secondary education

Work History

Underwriting Analyst

Mpower Financing
Bangalore
09.2022 - 12.2022
  • Reviewed credit reports, financial statements and education history to verify accuracy and completeness.
  • Calculated DTI ratios to qualify and reject education loans
  • Served internal staff and borrowers by offering alternative options and explaining credit decisions.
  • Evaluated Student profile & predicted future salaries on the basis of course chosen, University level & test scores.
  • Queried databases for information needed for report processing, for example fetching the credit reports for different countries.
  • Made final decisions on Education Loans : Approval, Rejection & Partial Approval

Analyst - Underwriting Services

Better Mortgage
Gurugram
08.2020 - 03.2022
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Processed Puchase Contracts to chalk out the terms and conditions of the New property purchase.
  • Recommended process improvements to continually identify, analyze and fix constraints and challenges.
  • Contacted borrowers to gather additional information to make appropriate lending decisions.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Monitored pipelines to track and log status of loans.

Business Developement Executive

Travel Den
Chandigarh
12.2018 - 02.2020
  • Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
  • Collaborated with sales and marketing departments to support client acquisition.
  • Negotiated client contracts and agreements to cultivate profitable business transactions.
  • Identified business development challenges and customer concerns for proactive resolution.
  • Communicated directly with customers and partners to build strong business networks and relationships.
  • Implemented innovative business development strategies to increase customer base and expand market share.

Education

B.E. - Chemical Engineering

Panjab University
Chandigarh
08.2008 - 12.2013

Master Of Business Administration -

Panjab University
Chandigarh
12.2014 - 05.2016

Skills

Problem-Solving

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Timeline

Underwriting Analyst

Mpower Financing
09.2022 - 12.2022

Analyst - Underwriting Services

Better Mortgage
08.2020 - 03.2022

Business Developement Executive

Travel Den
12.2018 - 02.2020

Master Of Business Administration -

Panjab University
12.2014 - 05.2016

B.E. - Chemical Engineering

Panjab University
08.2008 - 12.2013

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